BlastPoint's Credit Union Scorecard
NORTHWEST MUNICIPAL
Charter #17752 · IL
NORTHWEST MUNICIPAL has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Average Member Relationship (AMR): Top 4.7% in tier
- + Loan-to-Member Ratio (LMR): Top 8.3% in tier
- + Loan Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,769
+0.4% YoY-0.5% QoQ
|
-907 |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$40.2M
+5.2% YoY+1.4% QoQ
|
+$10.0M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$17.6M
+11.3% YoY+0.1% QoQ
|
+$2.3M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
67% |
| Deposits |
$34.7M
+4.7% YoY+1.3% QoQ
|
+$8.9M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
0.8%
-48.1% YoY-37.4% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
2.5%
-18.7% YoY-9.8% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio |
67.5%
+30.9% YoY+23.3% QoQ
|
-23.1% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
0.0%
-27.1% YoY-80.2% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
50.7%
+6.4% YoY-1.2% QoQ
|
-7.8% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
38% |
| AMR |
$29,538
+6.4% YoY+1.4% QoQ
|
+$15K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Top 4.7% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 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)