BlastPoint's Credit Union Scorecard
NORTHWEST
Charter #5500 · VA
NORTHWEST has 1 strength but faces 7 concerns
How does the industry compare?
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How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 29.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.1% in tier
- - Indirect Auto Dependency: Bottom 28.8% in tier
- - Membership Headwinds: Bottom 84.4% in tier
- - Stagnation Risk: Bottom 84.4% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 15.89% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Virginia.
- Shares and deposits +0.6% year over year ($3.50B in shares and deposits).
- Membership: 266,304 members, -1.9% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 0.37%.
- Efficiency ratio 85.34% vs a 69.45% peer average.
- Loan-to-share ratio 87.42% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
266,304
-1.9% YoY-0.6% QoQ
|
+49.8K |
216,545
-9.5% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$4.6B
+7.7% YoY+0.4% QoQ
|
+$662.4M |
$3.9B
-1.6% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$3.1B
+7.5% YoY+3.5% QoQ
|
+$126.8M |
$2.9B
-1.2% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$3.5B
+0.6% YoY-1.9% QoQ
|
+$240.6M |
$3.3B
-2.6% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.4%
+50.2% YoY-11.0% QoQ
|
-0.6% |
0.9%
+25.3% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.0% in tier |
| NIM |
3.0%
+7.6% YoY+0.7% QoQ
|
-0.2% |
3.2%
+3.8% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
85.3%
-4.0% YoY+1.4% QoQ
|
+15.9% |
69.5%
-2.3% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.5% in tier |
| Delinquency Rate |
0.4%
-12.7% YoY+4.3% QoQ
|
-0.4 |
0.8%
+5.5% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
87.4%
+6.8% YoY+5.5% QoQ
|
-2.8% |
90.2%
+0.9% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$24,618
+5.7% YoY+1.1% QoQ
|
$-6K |
$31,018
+6.9% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
26.0%
-4.4% YoY+0.5% QoQ
|
-3.1% | 29.1% | 18.0% | 20.0% | 38% |
| Indirect Auto % |
51.4%
-0.2% YoY+0.9% QoQ
|
+33.3% | 18.1% | 9.3% | 7.7% | Bottom 3.7% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)