47 institutions reported auto nonperforming loans in Q1 2026, with MIRASTAR in CA leading at 17.15%, up +14.7pp from the prior quarter. LAFAYETTE in MD and BEST FINANCIAL in MI followed at 7.60% and 6.65%, respectively, having increased +4.1pp and +2.9pp.

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	MIRASTAR	CU	CA	—
2	LAFAYETTE	CU	MD	—
3	BEST FINANCIAL	CU	MI	—
4	EMBOLD	CU	OR	—
5	KAUAI	CU	HI	—
6	WHITING REFINERY	CU	IN	—
7	TRUPARTNER	CU	OH	—
8	MILL TOWN	CU	WA	—
9	MINNEQUA WORKS	CU	CO	—
10	HOMELAND	CU	OH	—
37 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

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Rank	Institution	Source	State	indirect_auto_nonperforming_pct_qoq_delta	Trend
11	POSTAL & COMMUNITY	CU	MO	████	████
12	CONNECTS	CU	VA	████	████
13	CREDIT UNION OF TEXAS	CU	TX	████	████
14	OCEAN STATE	CU	RI	████	████
15	WYHY	CU	WY	████	████
16	MUTUAL SAVINGS	CU	AL	████	████
17	INROADS	CU	OR	████	████
18	STATE DEPARTMENT	CU	VA	████	████
19	SUPERIOR CHOICE	CU	WI	████	████
20	GARDEN SAVINGS	CU	NJ	████	████
21	METRO	CU	MO	████	████
22	ASSOCIATED CREDIT UNION OF TEXAS	CU	TX	████	████
23	SPIRIT OF ALASKA	CU	AK	████	████
24	CORPORATE AMERICA FAMILY	CU	IL	████	████
25	CARTER	CU	LA	████	████
26	INDIANA MEMBERS	CU	IN	████	████
27	VALLEY STRONG	CU	CA	████	████
28	OTIS	CU	ME	████	████
29	HAWAII COMMUNITY	CU	HI	████	████
30	ST. LOUIS COMMUNITY	CU	MO	████	████
31	INSPIRE	CU	PA	████	████
32	GEOVISTA	CU	GA	████	████
33	MUTUAL FIRST	CU	NE	████	████
34	HFS	CU	HI	████	████
35	EDUCATION FIRST CREDIT UNION, INC.	CU	OH	████	████
36	F3	CU	CA	████	████
37	COMMONWEALTH ONE	CU	VA	████	████
38	WEST COMMUNITY	CU	MO	████	████
39	EXTRA	CU	MI	████	████
40	TEXELL	CU	TX	████	████
41	ALLTRU	CU	MO	████	████
42	AMERICO	CU	PA	████	████
43	802	CU	VT	████	████
44	UMASSFIVE COLLEGE	CU	MA	████	████
45	ST. JEAN'S	CU	MA	████	████
46	TRAX	CU	FL	████	████
47	INTEGRA FIRST	CU	MI	████	████

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.

Learn more about Auto NPL →