BankProspector Credit Union Data Updates: What’s New and What’s Changed

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 Updates
Your 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 Updates

Your Target List REO Totals – Credit Unions

section Changes

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.

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Your Targets’ Default History

Label 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.

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Credit Union Overview Updates

Unsecured Credit Cards

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.

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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.

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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.

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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.

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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)

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.

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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.

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All Other Loans

Label 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

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Commercial RE

Label 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 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.

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

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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

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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 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.

Business Loan Subassets

• Commercial and Industrial Loans
• Unsecured Commercial Loans
• Unsecured Revolving LOC Loans

Update Notes

► Expanded subasset categories

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Farm & Agricultural

Section 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 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.

Farm & Agricultural Subassets

• Agricultural Loans
• Farmland Loans

Update Notes

► Expanded subasset categories

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Construction

Section 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

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Loans Held for Sale

*No longer reported*

Charts – Historical

We’ll still show historical data for this asset type: 

• Shown in Historical Charts
• Quarter Drop Downs Prior to Q1 2022 will be populated