BlastPoint's Credit Union Scorecard

NORTHWEST

Charter #5500 · VA

Mid-Market 3B-5B

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

View Mid-Market leaderboard →

NORTHWEST faces 7 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

- Indirect Auto Dependency: Bottom 0.0% in tier
- Efficiency Drag: Bottom 20.2% in tier
- Membership Headwinds: Bottom 60.7% in tier
- Stagnation Risk: Bottom 77.4% in tier
- ROA 0.39% below tier average
- Efficiency ratio 15.06% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 2.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	273,943 -1.7% YoY-0.4% QoQ	+43.6K	230,353 -2.9% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	79%
Assets	$4.6B +12.0% YoY+2.5% QoQ	+$612.3M	$3.9B +0.3% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	78%
Loans	$2.9B +2.1% YoY+2.2% QoQ	$-24.5M	$2.9B -0.2% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	43%
Deposits	$3.5B +3.9% YoY+0.9% QoQ	+$227.8M	$3.3B -0.3% YoY	$2.5B +10.1% YoY	$477.3M +9.7% 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	0.3% -35.8% YoY+17.3% QoQ	-0.4%	0.7% +16.8% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	Bottom 14.5% in tier
NIM	2.7% +7.3% YoY-1.3% QoQ	-0.4%	3.1% +9.8% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	24%
Efficiency Ratio	86.5% +0.4% YoY-1.9% QoQ	+15.1%	71.4% -1.4% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	Top 6.6% in tier
Delinquency Rate	0.4% -15.0% YoY+6.0% QoQ	-0.4	0.9% +5.8% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	24%
Loan To Share	82.3% -1.8% YoY+1.2% QoQ	-6.7%	88.9% -0.2% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	24%
AMR	$23,543 +4.9% YoY+1.9% QoQ	$-6K	$29,682 +1.5% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	17%
CD Concentration	26.8% -4.0% YoY-2.5% QoQ	-2.2%	29.0%	18.3%	19.8%	41%
Indirect Auto %	50.9% +1.0% YoY-1.4% QoQ	+32.6%	18.3%	9.6%	7.8%	Top 3.5% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#1 of 196 • Bottom 0.0% in tier

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

Why This Signature

Asset Growth (YoY): 11.98%

(Tier: 6.83%, National: 3.54%)

but better than tier avg

Indirect Auto %: 50.91%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.73%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Efficiency Drag

risk

#19 of 90 • Bottom 20.2% in tier

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

Why This Signature

Efficiency Ratio: 86.46%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.73%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Membership Headwinds

decline

#52 of 85 • Bottom 60.7% in tier

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

Why This Signature

Member Growth (YoY): -1.73%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Stagnation Risk

risk

#66 of 85 • Bottom 77.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.73%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.08%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.44%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

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 76 peers in tier

Top Strengths (6 metrics)

Net Charge-Off Rate

risk

Value: 0.22%

Peer Median: -

#12 of 76 Top 14.5% in 3B-5B tier

Asset Growth Rate

growth

Value: 11.98%

Peer Median: -

#16 of 76 Top 19.7% in 3B-5B tier

Total Members

engagement

Value: 273,943

Peer Median: -

#16 of 76 Top 19.7% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.55B

Peer Median: -

#17 of 76 Top 21.1% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 495.376

Peer Median: -

#17 of 76 Top 21.1% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.44%

Peer Median: -

#19 of 76 Top 23.7% in 3B-5B tier

Top Weaknesses (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 50.91%

Peer Median: -

#75 of 76 Bottom 2.6% in 3B-5B tier

Efficiency Ratio

profitability

Value: 86.46%

Peer Median: -

#72 of 76 Bottom 6.6% in 3B-5B tier

Member Growth Rate

growth

Value: -1.73%

Peer Median: -

#69 of 76 Bottom 10.5% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: -

#65 of 76 Bottom 15.8% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $23,543

Peer Median: -

#63 of 76 Bottom 18.4% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,625

Peer Median: -

#59 of 76 Bottom 23.7% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.74%

Peer Median: -

#58 of 76 Bottom 25.0% in 3B-5B tier

Loan Growth Rate

growth

Value: 2.08%

Peer Median: -

#58 of 76 Bottom 25.0% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 82.26%

Peer Median: -

#58 of 76 Bottom 25.0% in 3B-5B tier