BlastPoint's Credit Union Scorecard
UNITED NORTHWEST
Charter #6214 · KS
UNITED NORTHWEST has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Average Member Relationship (AMR): Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.8% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,394
-2.8% YoY-0.7% QoQ
|
-282 |
2,676
+1.6% YoY
|
12,306
-36.1% YoY
|
33,913
+5.7% YoY
|
59% |
| Assets |
$55.7M
+0.4% YoY+0.4% QoQ
|
+$25.5M |
$30.2M
+1.3% YoY
|
$170.3M
-37.4% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$21.5M
+2.0% YoY+1.9% QoQ
|
+$6.2M |
$15.3M
-2.0% YoY
|
$121.5M
-36.6% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$46.8M
-0.2% YoY+0.3% QoQ
|
+$21.1M |
$25.8M
+0.7% YoY
|
$144.0M
-38.1% YoY
|
$494.3M
+9.1% YoY
|
80% |
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| ROA |
0.4%
-24.8% YoY-27.4% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.6%
+30.6% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
2.8%
+6.0% YoY+3.6% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
4.0%
+4.6% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
87.0%
+6.7% YoY+7.7% QoQ
|
-3.6% |
90.6%
+6.5% YoY
|
78.0%
-2.8% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
0.3%
-28.2% YoY+146.7% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.3%
+3.6% YoY
|
1.2%
+3.4% YoY
|
37% |
| Loan To Share |
45.9%
+2.3% YoY+1.6% QoQ
|
-12.6% |
58.5%
-3.0% YoY
|
69.9%
-0.4% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$28,551
+3.3% YoY+1.5% QoQ
|
+$14K |
$14,884
-1.7% YoY
|
$16,649
+0.9% YoY
|
$19,920
+1.6% YoY
|
Top 5.2% in tier |
| CD Concentration |
26.8%
+0.9% YoY-3.7% QoQ
|
+2.5% | 24.3% | 24.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 12.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)