In Q2 2026, 50 institutions reported auto loan nonperforming levels. HAR-CO in MD led the cohort at 8.69%, rising +4.5pp from the prior quarter, followed by ACHIEVE FINANCIAL in CT at 9.91% and BAXTER in IL at 6.96%.

Auto NPL Trend

Sorted by indirect_auto_nonperforming_pct_qoq_delta ↓

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Rank	Institution	Source	State	indirect_auto_nonperforming_pct_qoq_delta
1	HAR-CO	CU	MD	—
2	ACHIEVE FINANCIAL	CU	CT	—
3	BAXTER	CU	IL	—
4	BULL DOG	CU	MD	—
5	TRUPARTNER	CU	OH	—
6	T M H	CU	FL	—
7	CREDIT UNION OF GEORGIA	CU	GA	—
8	CORAZO	CU	CA	—
9	HOUSTON HIGHWAY	CU	TX	—
10	BEST FINANCIAL	CU	MI	—
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_auto_nonperforming_pct_qoq_delta	Trend
11	JUSTICE	CU	VA	████	████
12	KANSAS TEACHERS COMMUNITY	CU	KS	████	████
13	UFIRST	CU	NY	████	████
14	CHAMPIONS FIRST	CU	FL	████	████
15	TUCOEMAS	CU	CA	████	████
16	RIPCO	CU	WI	████	████
17	CREDIT UNION OF TEXAS	CU	TX	████	████
18	WYHY	CU	WY	████	████
19	COCHISE	CU	AZ	████	████
20	COBALT	CU	NE	████	████
21	ARTESIA	CU	NM	████	████
22	SPIRIT OF ALASKA	CU	AK	████	████
23	1ST COMMUNITY	CU	TX	████	████
24	MUNICIPAL	CU	NY	████	████
25	SANTA ROSA COUNTY	CU	FL	████	████
26	CREDIT UNION OF THE ROCKIES	CU	CO	████	████
27	O BEE	CU	WA	████	████
28	OLD HICKORY	CU	TN	████	████
29	QUALSTAR	CU	WA	████	████
30	DEPARTMENT OF COMMERCE	CU	DC	████	████
31	GATHER	CU	HI	████	████
32	CODE	CU	OH	████	████
33	INDIANA MEMBERS	CU	IN	████	████
34	LEVO	CU	SD	████	████
35	MUTUAL	CU	MS	████	████
36	802	CU	VT	████	████
37	AMERICAN FIRST	CU	CA	████	████
38	AWAKON	CU	MI	████	████
39	NORTHWOODS	CU	MN	████	████
40	EDWARDS	CU	CA	████	████
41	MASS. INSTITUTE OF TECH.	CU	MA	████	████
42	VALLEYSTAR	CU	VA	████	████
43	EDUCATION FIRST CREDIT UNION, INC.	CU	OH	████	████
44	HAWAII COMMUNITY	CU	HI	████	████
45	COLUMBINE	CU	CO	████	████
46	TIDEMARK	CU	DE	████	████
47	UNIVERSITY	CU	CA	████	████
48	OKALOOSA COUNTY TEACHERS	CU	FL	████	████
49	INDEPENDENT	CU	IN	████	████
50	INSPIRE	CU	PA	████	████

Methodology

This card ranks credit unions whose auto-loan portfolio shows rising delinquency. The underlying NCUA series reports all dealer-originated ("indirect") lending. Auto is the largest part but not the only one: per NCUA FS220P Q4 2025, of $341B in total credit-union indirect loans outstanding, ~$266B (~78%) is new and used vehicle loans (ACCT_IN0002); the rest is dealer-originated residential mortgage, commercial and other lending. The delinquency ratio is the total amount of delinquent indirect loans (ACCT_041E, NCUA Schedule FS220A — "Amount of Delinquent Indirect Loans") divided by total indirect loans outstanding (ACCT_618A). FS220A also defines aging sub-bucket codes (021E/022E/023E), but they are reported as zero across the board, so the ranking does not use them. A credit union qualifies when it holds at least $10M of indirect loans, its current delinquency ratio is above 1.5%, and that ratio rose at least 0.3 percentage points quarter-over-quarter. Sibling to the Auto Concentration card, which ranks on concentration trend rather than delinquency. 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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