39 institutions reported member business loans comprising at least 76.1% of their portfolio in Q1 2026, with FUNERAL SERVICE (IL) leading at 76.1%. VISION ONE (CA) and WCLA (WA) followed with 64.9% and 61.9% respectively.

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	76.1%
2	VISION ONE	CU	CA	64.9%
3	WCLA	CU	WA	61.9%
4	DIRECTORS CHOICE	CU	NY	40.6%
5	NW PREFERRED	CU	OR	38.1%
6	HOMETOWN	CU	ND	30.5%
7	JACKSON COUNTY CO-OP	CU	IN	30.0%
8	FARMERS INSURANCE	CU	CA	27.0%
9	LAMOURE	CU	ND	23.8%
10	CO-OP CREDIT UNION OF MONTEVIDEO	CU	MN	20.7%
29 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	HELLO	CU	FL	████	████
12	TOWN AND COUNTRY	CU	ND	████	████
13	GREATER COMMUNITY	CU	MN	████	████
14	PEOPLES	CU	CO	████	████
15	MAUI TEACHERS	CU	HI	████	████
16	FARMWAY	CU	KS	████	████
17	ARCHER COOPERATIVE	CU	NE	████	████
18	POLISH NATIONAL	CU	MA	████	████
19	SPECTRA	CU	VA	████	████
20	WESTERN INDIANA CREDIT UNION	CU	IN	████	████
21	EDDYVILLE COOPERATIVE	CU	NE	████	████
22	WE FLORIDA FINANCIAL	CU	FL	████	████
23	NAHEOLA	CU	AL	████	████
24	COMMUNITY 1ST	CU	MT	████	████
25	NORSTAR	CU	SD	████	████
26	DANIELS-SHERIDAN	CU	MT	████	████
27	INSIGHT	CU	FL	████	████
28	TEXAS PLAINS	CU	TX	████	████
29	MID-KANSAS	CU	KS	████	████
30	NORTH STAR COMMUNITY	CU	ND	████	████
31	FIRST FINANCIAL	CU	NJ	████	████
32	CROSSROADS	CU	KS	████	████
33	TONGASS	CU	AK	████	████
34	WESTERN COOPERATIVE	CU	ND	████	████
35	BEACON	CU	IN	████	████
36	GRASSLANDS	CU	MT	████	████
37	PEOPLE'S COMMUNITY	CU	WA	████	████
38	SYMPHONY	CU	MA	████	████
39	EMERALD COAST	CU	FL	████	████

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 (thresholds.minMbl = 0.10). This ranks the most exposed CUs 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 CU clearing this card's 10% threshold under the narrow definition may already be much closer to the broad-measure cap. CUs above the threshold have limited room to grow MBL exposure before triggering supervisory attention. MBL share is reported in call_report_cu_specifics.mbl_pct_of_assets, derived from the narrow member-business-loan balance over total assets on the NCUA 5300 call report. Sorted descending by mbl_pct_of_assets. Credit unions only (NCUA 5300); banks have no analogous regulatory cap.

Learn more about MBL Concentration →