50 institutions tracked auto loan concentration in Q4 2025. SYLVANIA AREA in OH led at 39.8%, followed by EXPEDITION in MN at 61.6% and BAY AREA in OH at 43.9%. All three increased quarter-over-quarter, with gains of +39.8pp, +21.8pp, and +21.2pp respectively.

Auto Concentration

Sorted by indirect_lending_concentration_qoq_delta ↓

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Rank	Institution	Source	State	indirect_lending_concentration_qoq_delta
1	SYLVANIA AREA	CU	OH	—
2	EXPEDITION	CU	MN	—
3	BAY AREA	CU	OH	—
4	GOLDEN CIRCLE	CU	OH	—
5	CONNECTS	CU	VA	—
6	MONTEREY	CU	CA	—
7	FIRST COMMUNITY	CU	TX	—
8	TOLEDO FIRE FIGHTERS	CU	OH	—
9	AMERICAN FIRST	CU	CA	—
10	UNITY OF EATONVILLE	CU	FL	—
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	indirect_lending_concentration_qoq_delta	Trend
11	STATE DEPARTMENT	CU	VA	████	████
12	TBA	CU	MI	████	████
13	SILVER STATE SCHOOLS	CU	NV	████	████
14	NORTHERN INDIANA	CU	IN	████	████
15	PACIFIC N W	CU	OR	████	████
16	USSCO JOHNSTOWN	CU	PA	████	████
17	PRIORITY TRUST	CU	TX	████	████
18	RIVER VALLEY	CU	IA	████	████
19	MEMBERS ADVANTAGE	CU	IN	████	████
20	ROGUE	CU	OR	████	████
21	DOWNRIVER COMMUNITY	CU	MI	████	████
22	SOARION	CU	TX	████	████
23	LAMPCO	CU	IN	████	████
24	LA TERRE	CU	LA	████	████
25	INSPIRE	CU	PA	████	████
26	TANDEM	CU	MI	████	████
27	NEW DIRECTIONS COMMUNITY	CU	PA	████	████
28	GREAT BASIN	CU	NV	████	████
29	USF FEDERAL CREDIT UNION	CU	FL	████	████
30	LANDMARK	CU	IL	████	████
31	SOUTH CENTRAL	CU	MI	████	████
32	CHRISTIAN FINANCIAL	CU	MI	████	████
33	NSP	CU	MN	████	████
34	NET	CU	PA	████	████
35	PRESTIGE COMMUNITY	CU	TX	████	████
36	CATHOLIC FAMILY	CU	KS	████	████
37	UKRAINIAN SELFRELIANCE OF WEST. PA.	CU	PA	████	████
38	MISSOURI CENTRAL	CU	MO	████	████
39	FAMILY FIRST	CU	MI	████	████
40	EECU	CU	TX	████	████
41	FIRST HERITAGE	CU	NY	████	████
42	SALT CITY	CU	NY	████	████
43	WHITE RIVER	CU	WA	████	████
44	RHODE ISLAND	CU	RI	████	████
45	MATADORS COMMUNITY	CU	CA	████	████
46	FORT BRAGG	CU	NC	████	████
47	WE FLORIDA FINANCIAL	CU	FL	████	████
48	THE CREDIT UNION FOR ALL	CU	IL	████	████
49	STANWOOD AREA	CU	PA	████	████
50	CANYON VIEW	CU	UT	████	████

Methodology

This card ranks credit unions whose auto-loan exposure is both elevated and growing. The underlying NCUA series reports all dealer-originated ("indirect") lending — predominantly auto in practice (~78% of indirect-lending volume per NCUA FS220P Q4 2025; remainder is dealer-originated residential mortgage, commercial, and other categories). We compute concentration as indirect_lending_balance (ACCT_618A) ÷ total_loans (ACCT_025B). Filters: concentration must exceed the threshold (thresholds.minConcentration = 0.25, i.e. more than 25% of total loans) AND grow quarter-over-quarter by at least the minimum delta (thresholds.minQoqDelta = 0.005, i.e. a 0.5 percentage-point rise vs the prior quarter). Sibling to the Auto NPL Trend card, which uses the same NCUA indirect-lending series but ranks on the delinquency axis (ACCT_041E aggregate / ACCT_618A) rather than concentration trend. Sorted by quarter-over-quarter delta descending. Credit unions only (NCUA 5300); banks do not separately report dealer-indirect auto in the FDIC BankFind Suite financials endpoint.

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