BlastPoint's Credit Union Scorecard
NORTHWEST
Charter #5500 · VA
NORTHWEST has 2 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 64.3% in tier
- + Credit Quality Leader: Top 95.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.8% in tier
- - Indirect Auto Dependency: Bottom 11.5% in tier
- - Membership Headwinds: Bottom 15.5% in tier
- - Stagnation Risk: Bottom 27.6% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 16.88% above tier (higher cost structure)
- - Member decline: -3.0% YoY
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
- - Asset Growth Rate: Bottom 5.3% in tier
- - Member Growth Rate: Bottom 6.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
274,970
-3.0% YoY+1.3% QoQ
|
+36.5K |
238,465
+0.6% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$4.4B
-7.7% YoY+4.8% QoQ
|
+$471.3M |
$4.0B
-0.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$2.8B
+2.6% YoY+0.2% QoQ
|
$-169.7M |
$3.0B
+3.3% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$3.5B
+4.3% YoY+0.9% QoQ
|
+$173.2M |
$3.3B
+1.1% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
0.3%
-50.5% YoY+14.8% QoQ
|
-0.5% |
0.7%
+5.3% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.8% in tier |
| NIM |
2.8%
+14.9% YoY-0.9% QoQ
|
-0.4% |
3.2%
+13.7% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
88.1%
+5.6% YoY-0.9% QoQ
|
+16.9% |
71.3%
-0.6% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 5.3% in tier |
| Delinquency Rate |
0.4%
-11.8% YoY-7.4% QoQ
|
-0.4 |
0.8%
+15.9% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
81.3%
-1.6% YoY-0.7% QoQ
|
-9.6% |
90.8%
+2.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$23,114
+6.7% YoY-0.7% QoQ
|
$-6K |
$29,088
+0.1% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
27.5%
-2.9% YoY+1.1% QoQ
|
-1.4% |
29.0%
+0.7% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
45% |
| Indirect Auto % |
51.6%
+3.8% YoY+0.3% QoQ
|
+32.9% |
18.8%
-3.0% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
Top 3.4% in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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)