In Q4 2025, 43 institutions reported member business loans (MBLs) exceeding 76.8% of total loans. FUNERAL SERVICE in IL led at 76.8%, followed by VISION ONE in CA at 64.1% and WCLA in WA at 62.9%.

MBL Cap Pressure

Sorted by mbl_pct_of_assets ↓

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Rank	Institution	Source	State	mbl_pct_of_assets
1	FUNERAL SERVICE	CU	IL	76.8%
2	VISION ONE	CU	CA	64.1%
3	WCLA	CU	WA	62.9%
4	DIRECTORS CHOICE	CU	NY	43.8%
5	NW PREFERRED	CU	OR	39.1%
6	JACKSON COUNTY CO-OP	CU	IN	35.1%
7	HOMETOWN	CU	ND	35.1%
8	FARMERS INSURANCE	CU	CA	28.3%
9	LAMOURE	CU	ND	26.3%
10	CO-OP CREDIT UNION OF MONTEVIDEO	CU	MN	21.4%
33 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	mbl_pct_of_assets	Trend
11	TOWN AND COUNTRY	CU	ND	████	████
12	PEOPLES	CU	CO	████	████
13	EDDYVILLE COOPERATIVE	CU	NE	████	████
14	HELLO	CU	FL	████	████
15	GREATER COMMUNITY	CU	MN	████	████
16	MAUI TEACHERS	CU	HI	████	████
17	ARCHER COOPERATIVE	CU	NE	████	████
18	FARMWAY	CU	KS	████	████
19	POLISH NATIONAL	CU	MA	████	████
20	SPECTRA	CU	VA	████	████
21	NORTH STAR COMMUNITY	CU	ND	████	████
22	WESTERN INDIANA CREDIT UNION	CU	IN	████	████
23	COMMUNITY 1ST	CU	MT	████	████
24	WE FLORIDA FINANCIAL	CU	FL	████	████
25	CROSSROADS	CU	KS	████	████
26	GRASSLANDS	CU	MT	████	████
27	INSIGHT	CU	FL	████	████
28	WESTERN COOPERATIVE	CU	ND	████	████
29	NAHEOLA	CU	AL	████	████
30	NORSTAR	CU	SD	████	████
31	TEXAS PLAINS	CU	TX	████	████
32	DANIELS-SHERIDAN	CU	MT	████	████
33	RICHLAND	CU	MT	████	████
34	MID-KANSAS	CU	KS	████	████
35	BEACON	CU	IN	████	████
36	DAKOTA PLAINS	CU	ND	████	████
37	LIBERTY	CU	IN	████	████
38	SYMPHONY	CU	MA	████	████
39	FIRST FINANCIAL	CU	NJ	████	████
40	EMERALD COAST	CU	FL	████	████
41	NOTEWORTHY	CU	OH	████	████
42	TONGASS	CU	AK	████	████
43	PEOPLE'S COMMUNITY	CU	WA	████	████

Methodology

We rank credit unions whose member business loan (MBL) portfolio under the NARROW NCUA definition (non-real-estate-secured commercial loans, ACCT_400P) exceeds 10% of total assets — the most exposed credit unions by the narrow measure. Note: the 12.25% NCUA MBL cap (12 CFR §723) applies to the BROADER measure (ACCT_400A, which includes real-estate-secured commercial loans), so a credit union clearing this card's 10% threshold under the narrow definition may already be much closer to the broad-measure cap. Credit unions above the threshold have limited room to grow MBL exposure before drawing supervisory attention. MBL share is the narrow member-business-loan balance divided by total assets, both from the NCUA 5300 call report. Sorted by MBL share, highest first. Credit unions only; banks have no comparable regulatory cap.

Learn more about MBL Concentration →