NCUA’s 2026 Supervisory Priorities Letter to Credit Unions
About this episode
The episode discusses the NCUA's 2026 Supervisory Priorities and key areas of focus for credit unions this year.
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The NCUA just released its 2026 Supervisory Priorities (Letter 26-CU-01), giving credit unions a heads-up on where examiners will be focusing this year. Here's what you need to know: The NCUA is doubling down on balance sheet management, with particular attention to lending, interest rate risk, liquidity, earnings, and capital adequacy. Loan delinquency and loss rates are at their highest in over a decade, and examiners will be looking closely at underwriting, loss mitigation, ACL reserves, and charge-off practices. Operational risk is a major theme. Payment systems, fraud prevention, and cybersecurity will all get heightened scrutiny as the payments landscape grows more complex and fraud risks continue to rise. BSA/AML compliance remains a priority, with an emphasis on risk-based programs tailored to each credit union's profile. Expect regulatory changes throughout the year as FinCEN and the NCUA continue implementing provisions of the Anti-Money Laundering Act of 2020. The agency is also signaling a shift toward a more efficient and tailored examination program, building on its 2025 efforts to reduce burden for…
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