In Q4 2025, 50 institutions reported auto loan nonperforming loan ratios. ST. LOUIS COMMUNITY in MO led the cohort at 4.20%, rising +3.8pp from the prior quarter, followed by DESERET FIRST in UT at 4.06% and HAR-CO in MD at 5.14%.

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	ST. LOUIS COMMUNITY	CU	MO	—
2	DESERET FIRST	CU	UT	—
3	HAR-CO	CU	MD	—
4	FARMERS INSURANCE	CU	CA	—
5	BEST FINANCIAL	CU	MI	—
6	INROADS	CU	OR	—
7	INDEPENDENT	CU	IN	—
8	UNIVERSITY	CU	CA	—
9	AMERICAN LAKE	CU	WA	—
10	TELHIO	CU	OH	—
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Rank	Institution	Source	State	indirect_auto_nonperforming_pct_qoq_delta	Trend
11	ZEAL	CU	MI	████	████
12	ACCENTRA	CU	MN	████	████
13	BLUESTONE	CU	SD	████	████
14	ARAPAHOE	CU	CO	████	████
15	THE FAMILY	CU	IA	████	████
16	WYHY	CU	WY	████	████
17	MOHAVE COMMUNITY	CU	AZ	████	████
18	TUCSON	CU	AZ	████	████
19	VIGO COUNTY	CU	IN	████	████
20	NORTHERN COMMUNITIES	CU	MN	████	████
21	ONE	CU	VT	████	████
22	PARK	CU	KY	████	████
23	LAFAYETTE	CU	MD	████	████
24	CALCOE	CU	WA	████	████
25	LAS COLINAS	CU	TX	████	████
26	SHARONVIEW	CU	SC	████	████
27	MYUSA	CU	OH	████	████
28	MEMBERS FIRST CREDIT UNION OF N.H.	CU	NH	████	████
29	1ST COMMUNITY	CU	TX	████	████
30	WAUNA	CU	OR	████	████
31	AGRICULTURE	CU	VA	████	████
32	BARKSDALE	CU	LA	████	████
33	TRADEMARK	CU	ME	████	████
34	HUGHES	CU	AZ	████	████
35	INTOUCH	CU	TX	████	████
36	EVERWISE	CU	IN	████	████
37	STATE EMPLOYEES	CU	NM	████	████
38	TIMBERLAND	CU	PA	████	████
39	COMMONWEALTH CENTRAL	CU	CA	████	████
40	FIRST BASIN	CU	TX	████	████
41	GREEN COUNTRY	CU	OK	████	████
42	EDUCATIONAL COMMUNITY	CU	MO	████	████
43	CORAZO	CU	CA	████	████
44	MILL TOWN	CU	WA	████	████
45	MOUNTAINCREST	CU	WA	████	████
46	PEOPLES	CU	WV	████	████
47	WATERFRONT	CU	WA	████	████
48	LEVO	CU	SD	████	████
49	UMASSFIVE COLLEGE	CU	MA	████	████
50	SOUND	CU	WA	████	████

Methodology

This card ranks credit unions whose auto-loan portfolio is showing rising delinquency. The underlying NCUA series reports all dealer-originated ("indirect") lending. Auto is the largest component but not the only one: per NCUA FS220P Q4 2025, of $341B in total CU indirect-loan outstanding, ~$266B (~78%) is new/used vehicle loans (ACCT_IN0002); the remainder is dealer-originated residential mortgage, commercial, and other categories. We compute the nonperforming ratio as the total amount of delinquent indirect loans (ACCT_041E from NCUA Schedule FS220A — the AcctDesc-defined "Amount of Delinquent Indirect Loans" aggregate) divided by total indirect-loan outstanding balance (ACCT_618A). Sub-bucket codes (021E/022E/023E) exist on FS220A but are universally zero in upstream reporting; they remain mapped for aging analytics only. Filters: CU must hold ≥ $10M of indirect lending (thresholds.minIndirectBalance = 10000000), current NPL must exceed 1.5% (thresholds.minNonperformingPct = 0.015), and QoQ delta must be ≥ 0.3 percentage points (thresholds.minQoqDelta = 0.003). Sibling to indirect-auto-concentration, which ranks on concentration trend rather than NPL. 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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