BlastPoint's Credit Union Scorecard
NORTHWESTERN
Charter #6949 · OH
NORTHWESTERN has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.34% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,816
+2.5% YoY+1.6% QoQ
|
-799 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$16.3M
+0.8% YoY+0.2% QoQ
|
$-13.8M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
43% |
| Loans |
$5.6M
+3.4% YoY+6.3% QoQ
|
$-10.2M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$14.9M
+0.1% YoY+0.1% QoQ
|
$-10.8M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.6%
+35.3% YoY-9.7% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
3.2%
+25.7% YoY+5.5% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
25% |
| Efficiency Ratio |
82.9%
-1.6% YoY+3.5% QoQ
|
+0.3% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.4%
+108.8% YoY+102.2% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
37.6%
+3.3% YoY+6.1% QoQ
|
-23.1% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$11,269
-1.5% YoY+0.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
26.1%
-10.9% YoY+10.3% QoQ
|
+1.7% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)