Analysis

For starters, the national credit union's loan machine is producing more and maintaining higher quality.

Two ratios the NCUA has identified in the past as "red flags" were shared by Jackson Area FCU and 125 other credit unions in March.

A look at the credit unions headquartered in America's 10 hottest cities that also have the largest branch presence in their respective cities.

While many of the nation's largest CUs continue to post impressive financial results, the research also uncovers emerging risks that deserve a closer look.

AmCU data shows tiny gains for autos and first mortgages, while HELOCs and second mortgages exceeded average gains.

Red flags missed or ignored in CU failures involving fraud in 2010 and 2014 appear to have been missed again.