Individual Credit Union Reports Overview - BankProspector

Credit Unions report their REO and non-performing loan data similarly to how banks report their data but with a few small differences.

See more details below this video

This page covers the differences in how Credit Union information is shown in BankProspector.

Credit Union REO - Foreclosed and Repossessed Assets

Banks only report the total volume of REO while credit unions report not only the dollar volume but the number of REO assets that comprise that total.
For credit unions BankProspector shows you the number of assets in addition to the total amount of the assets which have been repossessed.

Credit Union Capital and Capital Adequacy Ratios

Credit Unions, instead of reporting their  Capital Adequacy Ratio (green, yellow, and red indicators), will report if they are Well Capitalized, Capitalized, Under Capitalized, Severely Under Capitalized, Critically Under Capitalized.

  • Well Capitalized – The credit union has more than enough cash on hand vs. their risk on the street
  • Capitalized – The credit union has enough cash on hand vs. their risk on the street
  • Under Capitalized – The credit union does not have enough cash on hand vs. their risk on the street
  • Serverely Under Capitalized – The credit union is in a bad position in relation to their cash on hand vs. their risk on the street
  • Critically Under Capitalized – The credit union cannot produce enough cash on hand vs. their risk on the street

Credit Unions - Loans Held for Sale - Troubled Debt Restructurings

Credit Unions - Late and Non-Performing Notes

Credit Unions do not report payments as  30-89 days late, 90+ days late, or non-accrual.

Credit unions report loans as

  • 1-2 months late
  • 2-6 months late
  • 6-12 months late
  • 12+ months late

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