BlastPoint's Credit Union Scorecard

NORTHWEST

Charter #5500 · VA

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 2 in VA

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NORTHWEST faces 5 concerns requiring attention

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 13.6% in tier
- Indirect Auto Dependency: Bottom 18.7% in tier
- ROA 0.32% below tier average
- Efficiency ratio 12.89% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	267,951 +0.9% YoY-2.2% QoQ	+47.5K	220,435 -7.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	80%
Assets	$4.5B +9.5% YoY-0.2% QoQ	+$630.0M	$3.9B -1.5% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	81%
Loans	$3.0B +4.0% YoY+1.5% QoQ	+$62.5M	$2.9B -1.1% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	51%
Deposits	$3.6B +2.1% YoY+0.8% QoQ	+$269.0M	$3.3B -2.5% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +76.4% YoY+25.4% QoQ	-0.3%	0.7% +10.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	24%
NIM	3.0% +7.1% YoY+9.3% QoQ	-0.2%	3.2% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	33%
Efficiency Ratio	84.2% -5.7% YoY-2.7% QoQ	+12.9%	71.3% -2.6% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	Bottom 9.0% in tier
Delinquency Rate	0.4% -4.3% YoY-14.7% QoQ	-0.4	0.7% +9.2% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	22%
Loan To Share	82.9% +1.8% YoY+0.7% QoQ	-5.1%	88.0% +0.9% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	26%
AMR	$24,342 +2.0% YoY+3.4% QoQ	$-6K	$30,672 +5.5% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	20%
CD Concentration	25.9% -4.0% YoY-3.5% QoQ	-2.9%	28.8%	18.0%	19.8%	39%
Indirect Auto %	51.0% +0.1% YoY+0.1% QoQ	+32.9%	18.1%	9.4%	7.7%	Bottom 3.7% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk

#3 of 198 • Bottom 18.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.49%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 50.96%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.91%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Efficiency Drag

risk

#35 of 100 • Bottom 13.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.17%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.91%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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)

Compare against:

Comparing against 78 peers in tier

Top Strengths (7 metrics)

Total Assets

balance_sheet

Value: $4.55B

Peer Median: $3.94B

#15 of 78 Top 17.9% in 3B-5B tier

Total Members

engagement

Value: 267,951

Peer Median: 212,824

#16 of 78 Top 19.2% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.30%

Peer Median: 0.46%

#17 of 78 Top 20.5% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Median: 0.54%

#18 of 78 Top 21.8% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 475.090

Peer Median: 393.414

#18 of 78 Top 21.8% in 3B-5B tier

Asset Growth Rate

growth

Value: 9.49%

Peer Median: 5.44%

#19 of 78 Top 23.1% in 3B-5B tier

Net Worth Ratio

risk

Value: 11.81%

Peer Median: 10.59%

#20 of 78 Top 24.4% in 3B-5B tier

Top Weaknesses (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 50.96%

Peer Median: 18.10%

#77 of 78 Bottom 2.6% in 3B-5B tier

Efficiency Ratio

profitability

Value: 84.17%

Peer Median: 69.26%

#72 of 78 Bottom 9.0% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $24,342

Peer Median: $28,813

#62 of 78 Bottom 21.8% in 3B-5B tier