NW PREFERRED

Charter #3853 | OR

100M-500M (1077 CUs) Micro
18 100M-500M in OR

NW PREFERRED has 9 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.4% in tier
  • + Wallet Share Momentum: Top 9.3% in tier
  • + Emerging Performer: Top 20.1% in tier
  • + ROA 0.33% above tier average
  • + Net Interest Margin 0.92% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 6.2% in tier
  • + Average Member Relationship (AMR): Top 8.1% in tier
  • + First Mortgage Concentration (%): Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 1.8% in tier
  • - Membership Headwinds: Bottom 15.9% in tier
  • - Liquidity Overhang: Bottom 27.8% in tier
  • - Liquidity Strain: Bottom 28.7% in tier
  • - Member decline: -2.6% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OR) National Avg Tier Percentile
Members 8,268
-2.6% YoY-0.7% QoQ
 -7.4K 15,628
-3.4% YoY
 48,799
+9.4% YoY
 33,089
+6.1% YoY
 Bottom 17.8% in tier
Assets $181.5M
+4.6% YoY+1.0% QoQ
 $-49.8M $231.3M
-0.0% YoY
 $801.2M
+7.5% YoY
 $547.7M
+7.8% YoY
 44th in tier
Loans $140.8M
+4.6% YoY+1.5% QoQ
 $-7.0M $147.8M
-1.4% YoY
 $546.0M
+10.9% YoY
 $388.7M
+8.6% YoY
 57th in tier
Deposits $154.5M
+4.3% YoY+0.9% QoQ
 $-45.8M $200.3M
-0.0% YoY
 $683.7M
+7.5% YoY
 $464.6M
+9.3% YoY
 43rd in tier
ROA 1.1%
+85.6% YoY+9.2% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.7%
+15.2% YoY
 0.7%
+273.4% YoY
 73rd in tier
NIM 4.5%
+6.0% YoY+1.1% QoQ
 +0.9% 3.6%
+6.9% YoY
 3.9%
+7.2% YoY
 3.7%
+5.0% YoY
 Top 8.9% in tier
Efficiency Ratio 67.4%
-5.3% YoY-2.2% QoQ
 -9.9% 77.3%
-3.0% YoY
 76.2%
-3.6% YoY
 79.1%
-3.3% YoY
 Bottom 20.0% in tier
Delinquency Rate 0.7%
-32.8% YoY-7.9% QoQ
 -0.2 0.9%
+7.6% YoY
 0.9%
-6.6% YoY
 1.2%
-0.9% YoY
 51st in tier
Loan To Share 91.2%
+0.3% YoY+0.7% QoQ
 +18.5% 72.7%
-1.5% YoY
 76.2%
+0.8% YoY
 68.0%
-1.7% YoY
 Top 13.9% in tier
AMR $35,719
+7.3% YoY+1.9% QoQ
 +$11K $24,363
+2.9% YoY
 $25,038
+0.5% YoY
 $19,418
+1.3% YoY
 Top 8.2% in tier
CD Concentration 18.1%
+5.4% YoY+2.4% QoQ
 -6.3% 24.4%
+4.2% YoY
 16.6%
+1.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#151 of 1006 • Top 5.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.29%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#256 of 1006 • Top 9.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.29%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#377 of 627 • Top 20.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -2.65%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY

Concerns (4)

Stagnation Risk

risk
#31 of 550 • Bottom 1.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.65%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $35.7K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 18.08%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#262 of 550 • Bottom 15.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.65%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Liquidity Overhang

risk
#430 of 552 • Bottom 27.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.95%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 91.17%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Liquidity Strain

risk
#223 of 258 • Bottom 28.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 91.17%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 4.62%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
68
Loan-to-Member Ratio (LMR)
engagement
Value: $17,034
Peer Avg: $10,245
#68 of 1077 Top 6.2% in 100M-500M tier
88
Average Member Relationship (AMR)
engagement
Value: $35,719
Peer Avg: $24,363
#88 of 1077 Top 8.1% in 100M-500M tier
96
Net Interest Margin (NIM)
profitability
Value: 4.51%
Peer Avg: 3.58%
#96 of 1077 Top 8.8% in 100M-500M tier
99
First Mortgage Concentration (%)
balance_sheet
Value: 7.10%
Peer Avg: 30.43%
#99 of 1077 Top 9.1% in 100M-500M tier
150
Loan-to-Share Ratio
balance_sheet
Value: 91.17%
Peer Avg: 72.70%
#150 of 1077 Top 13.8% in 100M-500M tier
200
AMR Growth Rate
growth
Value: 7.29%
Peer Avg: 3.64%
#200 of 1077 Top 18.5% in 100M-500M tier
216
Efficiency Ratio
profitability
Value: 67.40%
Peer Avg: 77.28%
#216 of 1077 Top 20.0% in 100M-500M tier
236
Net Worth Ratio
risk
Value: 13.95%
Peer Avg: 12.15%
#236 of 1077 Top 21.8% in 100M-500M tier

Top Weaknesses (3 metrics)

908
Members Per Employee (MPE)
engagement
Value: 243.176
Peer Avg: 332.881
#908 of 1077 Bottom 15.8% in 100M-500M tier
885
Total Members
engagement
Value: 8,268
Peer Avg: 15,628
#885 of 1077 Bottom 17.9% in 100M-500M tier
855
Member Growth Rate
growth
Value: -2.65%
Peer Avg: 0.72%
#855 of 1077 Bottom 20.7% in 100M-500M tier