50 institutions reported auto loan concentration in Q1 2026. MAUI TEACHERS in HI led with 69.8% of its portfolio, followed by TUSCALOOSA V A in AL at 58.5% and INTEGRITY in OH at 54.0%.

Auto Concentration

Sorted by indirect_lending_concentration_qoq_delta ↓

Export CSV (Mastermind)

Rank	Institution	Source	State	indirect_lending_concentration_qoq_delta
1	MAUI TEACHERS	CU	HI	—
2	TUSCALOOSA V A	CU	AL	—
3	INTEGRITY	CU	OH	—
4	KC FAIRFAX	CU	KS	—
5	TENNESSEE MEMBERS 1ST	CU	TN	—
6	PRIORITY TRUST	CU	TX	—
7	FIRST HARVEST	CU	NJ	—
8	FIRST FLORIDA	CU	FL	—
9	CENTRAL MAINE	CU	ME	—
10	OUR	CU	MI	—
40 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

See 40 more →

Rank	Institution	Source	State	indirect_lending_concentration_qoq_delta	Trend
11	GREAT FALLS REGIONAL	CU	ME	████	████
12	HOUSTON HIGHWAY	CU	TX	████	████
13	K.C. AREA	CU	MO	████	████
14	SCOTT	CU	IL	████	████
15	RAYTOWN-LEE'S SUMMIT COMMUNITY	CU	MO	████	████
16	R T P	CU	NC	████	████
17	CASCADE	CU	WA	████	████
18	WHITING REFINERY	CU	IN	████	████
19	NEW DIRECTIONS COMMUNITY	CU	PA	████	████
20	SYLVANIA AREA	CU	OH	████	████
21	NET	CU	PA	████	████
22	HEALTHCARE ASSOCIATES	CU	IL	████	████
23	TOPMARK	CU	OH	████	████
24	PACIFIC N W	CU	OR	████	████
25	CONNECTS	CU	VA	████	████
26	DAY-MET	CU	OH	████	████
27	FAMILY FIRST	CU	MI	████	████
28	LOOKOUT	CU	ID	████	████
29	STATE EMPLOYEES	CU	NM	████	████
30	OREGON COMMUNITY	CU	OR	████	████
31	OKLAHOMA'S	CU	OK	████	████
32	PENINSULA COMMUNITY	CU	WA	████	████
33	U. S. EMPLOYEES O. C.	CU	OK	████	████
34	STANWOOD AREA	CU	PA	████	████
35	NORTHERN HILLS	CU	SD	████	████
36	BRECO	CU	LA	████	████
37	TOLEDO FIRE FIGHTERS	CU	OH	████	████
38	LA TERRE	CU	LA	████	████
39	GTE	CU	FL	████	████
40	PELICAN	CU	LA	████	████
41	RIO GRANDE	CU	NM	████	████
42	SKYWARD	CU	KS	████	████
43	PENAIR	CU	FL	████	████
44	IDEAL	CU	MN	████	████
45	MUTUAL FIRST	CU	NE	████	████
46	TAMPA BAY	CU	FL	████	████
47	OHIO VALLEY COMMUNITY	CU	OH	████	████
48	ST. CLOUD FINANCIAL	CU	MN	████	████
49	NEW CASTLE BELLCO	CU	PA	████	████
50	CANVAS	CU	CO	████	████

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.

Learn more about Auto →