The National Credit Union Administration (NCUA) made some significant changes in 2022 to how credit unions complete the industry’s quarterly call report, and the BankProspector software team has released an update featuring the new reporting format. These categories and codes can help streamline data analysis and provide BankProspector users with additional lender insights.
Here’s a detailed breakdown of how these updates are now displayed, organized, and tracked in BankProspector:
Jump to:
Dashboard UpdatesYour Target List REO Totals – Credit Unions
Your Targets’ Default History
Credit Union Overview Updates
Unsecured Credit Cards
Payday Alternative
Student Loans (Non Guaranteed)
Vehicles
1st Liens Real Estate (Previously 1st Mortgage RE)
Junior Lien Loans (Previously Junior RE)
All Other Loans
Commercial RE
Multifamily (New Category)
Business Loans
Farm & Agricultural
Construction
Loans Held For Sale
Dashboard UpdatesYour Target List REO Totals – Credit Unionssection ChangesYour Target List REO Totals View
| Previously Reported as 3 Sections: | Now Reported as 4 Sections: | | Real Estate | Consumer Real Estate | | Automobiles | Consumer Vehicle | | Other | Consumer Other | | Commercial |
**Update Notes**► Data was previously reported as 3 sections, now split into 4 sections.► The CU reports no longer share the Number of REO in each of these categories.
Your Targets’ Default HistoryLabel Changes
| Previously Reported Labels: | Now Reported as: | | Junior RE | Junior Liens | | 1st Mortgage RE | 1st Liens Real Estate |
New Category* Multifamily (previously reported with Commercial)
Non-Reported* Loans Held for Sale + Current will show “No Data” pie chart + Historical will be included as long as last 8 quarters contain this data
**Update Notes**► Historical charts will continue to group 60-179 days together for simplicity.
Credit Union Overview UpdatesUnsecured Credit CardsCurrent Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
Previous ViewUpdated View
**Update Notes**► No major reporting changes in this category.
Payday Alternative Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
**Update Notes**► No major reporting changes in this category.
Student Loans (Non-Guaranteed) Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
**Update Notes**► No major reporting changes in this category.
Vehicles Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
Updated Charts For Q1 2022 and future report data, current and historical charts are split to represent each subasset as well as delinquent table above to make data easier to view. Q4 2021 and all previous historical data will display in pre-Q1 2022 formats.
Vehicle Subassets* New Vehicles * Old Vehicles
**Update Notes**► No major reporting changes in this category.
1st Liens Real Estate (Previously 1st Mortgage RE) Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
1st Lien (Previously 1st Mortgage) Subassets Updated Charts For Q1 2022 and future report data, current and historical charts are split to represent each subasset as well as delinquent table above to make data easier to view. Q4 2021 and all previous historical data will display in pre-Q1 2022 formats.
1st Liens Real Estate Subassets* 1st Lien Loans * 1st Lien Loans || Rate Types and Terms + Broken down by rate type and loan term - Fixed Rate * > 15 years * 15 years or less - Balloon / Hybrid * > 5 years * 5 years or less - Adjustable Rate * 15 years or less
Update Notes► No major reporting changes in this category.
Junior Lien Loans (Previously Junior RE)Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
Update Notes► No major reporting changes in this category.
All Other LoansLabel Changes
| Previously Reported Label: | Now Reported as: | | REO – Other | REO – Consumer Other |
section Changes
| Previously Reported as 1 Section: | Now Reported as 3 Sections: | | All Other Loans | All Other Non-Real Estate Loans / LOC | | All Other Unsecured Loans / LOC | | All Other (Non-Commercial) Real Estate Loans / LOC |
Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
Updated Charts For Q1 2022 and future report data, current and historical charts are split to represent each subasset as well as delinquent table above to make data easier to view. Q4 2021 and all previous historical data will display in pre-Q1 2022 formats.
Update Notes► Label change: "REO - Other" is now "REO - Consumer Other"► Section breakdown: "All Other Loans" is now 3 sections
Commercial RELabel Changes
| Previously Reported as: | Now Reported as: | | Member Commercial RE | Secured by Owner Occupied Property Loans | | Nonmember Commercial RE | Secured by Non-Owner Occupied Property Loans |
Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
Updated ChartsFor Q1 2022 and future report data, current and historical charts are split to represent each subasset as well as delinquent table above to make data easier to view. Q4 2021 and all previous historical data will display in pre-Q1 2022 formats.
Commercial RE Subassets* Commercial and Industrial * Unsecured Commercial Loans * Unsecured Revolving LOC Loans
Update Notes► Multifamily is now a separate category, no longer grouped with Commercial
Multifamily (New Category) Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
Update Notes► Multifamily is now a separate category, no longer grouped with Commercial
Business Loans Section Changes
| Previously Reported as 2 Sections: | Now Reported as 3 Sections: | | Member Commercial Loans Not Secured | Commercial and Industrial Loans | | Nonmember Commercial Loans Not Secured | Unsecured Commercial Loans | | Unsecured Revolving LOC Loans |
Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
Updated ChartsFor Q1 2022 and future report data, current and historical charts are split to represent each subasset as well as delinquent table above to make data easier to view. Q4 2021 and all previous historical data will display in pre-Q1 2022 formats.
Business Loan Subassets* Commercial and Industrial Loans * Unsecured Commercial Loans * Unsecured Revolving LOC Loans
Update Notes► Expanded subasset categories
Farm & AgriculturalSection Changes
| Previously Reported as 1 Section: | Now Reported as 2 Sections: | | Farm & Agricultural | Agricultural Loans | | Farmland Loans |
Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
Updated ChartsFor Q1 2022 and future report data, current and historical charts are split to represent each subasset as well as delinquent table above to make data easier to view. Q4 2021 and all previous historical data will display in pre-Q1 2022 formats.
Farm & Agricultural Subassets* Agricultural Loans * Farmland Loans
Update Notes► Expanded subasset categories
ConstructionSection Changes
| Previously Reported as 2 Sections: | Now Reported as 1 Section: | | Commercial Construction & Development | Commercial Construction & Development | | Residential Construction | None – no longer reporting Residential Construction category |
Current Delinquent Data Table
| Previously Reported as: | Now Reporting as: | | 30-59 Days | 30-59 Days (no change) | | 60-179 days | 60 – 89 Days (new) | | —– | 90 – 179 Days (new) | | 180 – 359 Days | 180 – 359 Days (no change) | | 360+ Days | 360+ Days (no change) |
Update Notes► No longer reporting Residential Construction
Loans Held for SaleNo longer reported
Charts – HistoricalWe’ll still show historical data for this asset type:
Loans Held for Sale Historical ViewLoans Held for Sale Current View