Institutions where foreclosed real-estate balances are growing QoQ
Institutions whose Other Real Estate Owned (OREO) balance — foreclosed property held on the books — grew the most this quarter relative to total assets. A rising OREO balance signals the back-end of the credit-loss cycle, where workouts have converted to property held for sale.
Methodology
Other Real Estate Owned (OREO) is property an institution has taken onto its balance sheet through foreclosure or deed-in-lieu, held pending sale. A rising OREO balance is a back-of-cycle stress signal — workouts that have completed the foreclosure pipeline and converted into property the institution must now dispose of. This card ranks institutions across both banks and credit unions by the quarter-over-quarter change in the OREO-to-total-assets ratio (oreo_qoq_delta_pct), surfacing the top 50 with a delta of at least 0.001 (a 0.1 percentage-point QoQ increase in the OREO share of total assets). Banks: OREO from the FDIC BankFind Suite financials endpoint (ORE field family). Credit unions: foreclosed-and-repossessed assets from NCUA 5300 (ACCT_007 family).