In Q2 2026, 50 institutions reported auto loan concentration data. HALIFAX COUNTY COMMUNITY in VA led the group at 41.4%, followed by BILLERICA MUNICIPAL EMPLOYEES in MA at 37.1% and SIDNEY in NY at 61.6%.

Auto Concentration

Sorted by indirect_lending_concentration_qoq_delta ↓

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Rank	Institution	Source	State	indirect_lending_concentration_qoq_delta
1	HALIFAX COUNTY COMMUNITY	CU	VA	—
2	BILLERICA MUNICIPAL EMPLOYEES	CU	MA	—
3	SIDNEY	CU	NY	—
4	MILL TOWN	CU	WA	—
5	SUPERIOR CHOICE	CU	WI	—
6	OLYMPIA	CU	WA	—
7	INTREPID	CU	MT	—
8	GULF	CU	TX	—
9	TRUE NORTH	CU	AK	—
10	EDUCATIONAL COMMUNITY	CU	MO	—
40 more institutions match this list. Unlock metric values for every row and column sort with membership. Unlock with membership

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Rank	Institution	Source	State	indirect_lending_concentration_qoq_delta	Trend
11	CENTRAL MAINE	CU	ME	████	████
12	MUTUAL FIRST	CU	NE	████	████
13	NEWPORT NEWS MUN. EMP CREDIT UNION	CU	VA	████	████
14	SABATTUS REGIONAL	CU	ME	████	████
15	THINKWISE	CU	CA	████	████
16	PELICAN	CU	LA	████	████
17	FIRST COMMUNITY	CU	TX	████	████
18	SALT CITY	CU	NY	████	████
19	TENDTO	CU	PA	████	████
20	GLENDALE	CU	CA	████	████
21	GREAT FALLS REGIONAL	CU	ME	████	████
22	SECURITY FIRST	CU	TX	████	████
23	AUSTIN TELCO	CU	TX	████	████
24	PARK CITY	CU	WI	████	████
25	ALIVE	CU	FL	████	████
26	TRAX	CU	FL	████	████
27	STANWOOD AREA	CU	PA	████	████
28	OREGONIANS	CU	OR	████	████
29	44 NORTH	CU	OR	████	████
30	STATE EMPLOYEES	CU	NM	████	████
31	RIO GRANDE	CU	NM	████	████
32	ST. MARY'S BANK	CU	NH	████	████
33	AMPLIFY	CU	TX	████	████
34	FIRST NEBRASKA	CU	NE	████	████
35	FLORIDA	CU	FL	████	████
36	TRAVERSE CATHOLIC	CU	MI	████	████
37	PROMEDICA	CU	OH	████	████
38	HOMELAND	CU	OH	████	████
39	BRECO	CU	LA	████	████
40	DUTRAC COMMUNITY	CU	IA	████	████
41	AVANTI	CU	SD	████	████
42	FRIENDS AND FAMILY CREDIT UNION INC	CU	OH	████	████
43	ADVANCE FINANCIAL	CU	IN	████	████
44	TUSCALOOSA V A	CU	AL	████	████
45	ESTACADO	CU	NM	████	████
46	WALLED LAKE SCHOOLS	CU	MI	████	████
47	LA TERRE	CU	LA	████	████
48	COMMUNITY FIRST CREDIT UNION OF FLO	CU	FL	████	████
49	MCU FINANCIAL CENTER	CU	WI	████	████
50	MOONLIGHT	CU	PA	████	████

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 — mostly auto in practice (~78% of indirect-lending volume per NCUA FS220P Q4 2025; the rest is dealer-originated residential mortgage, commercial and other lending). Concentration is indirect lending (ACCT_618A) ÷ total loans (ACCT_025B). A credit union qualifies when concentration is above 0.25 (more than 25% of total loans) AND rose at least 0.005 quarter-over-quarter (a 0.5 percentage-point rise on the prior quarter). Sibling to the Auto NPL Trend card, which uses the same NCUA indirect-lending series but ranks on delinquency (ACCT_041E aggregate ÷ ACCT_618A) rather than concentration. Sorted by quarter-over-quarter change, largest first. Credit unions only (NCUA 5300); banks do not report dealer-originated auto lending separately in FDIC BankFind financial data.

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