BlastPoint's Credit Union Scorecard
NORTHWEST MUNICIPAL
Charter #17752 · IL
NORTHWEST MUNICIPAL demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.69% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 4.1% in tier
- + Average Member Relationship (AMR): Top 4.8% in tier
- + Efficiency Ratio: Top 7.1% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,778
+0.9% YoY+0.1% QoQ
|
-837 |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$39.7M
+4.8% YoY+2.3% QoQ
|
+$9.5M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$17.6M
+18.2% YoY+2.3% QoQ
|
+$1.8M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$34.2M
+4.0% YoY+2.4% QoQ
|
+$8.5M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
1.3%
-16.7% YoY-10.5% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
2.8%
-6.4% YoY-6.3% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio |
54.7%
+10.6% YoY+5.6% QoQ
|
-27.8% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate |
0.2%
+81.3% YoY+345.0% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
51.3%
+13.7% YoY-0.0% QoQ
|
-9.3% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$29,122
+7.5% YoY+2.2% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 4.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)