BlastPoint's Credit Union Scorecard
UNITED NORTHWEST
Charter #6214 · KS
UNITED NORTHWEST has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.74% below tier average
- - Members Per Employee (MPE): Bottom 10.0% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 43 that size in Kansas.
- Shares and deposits -3.1% year over year ($45.5M in shares and deposits).
- Membership: 2,399 members, -1.8% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.75%.
- Efficiency ratio 78.48% vs a 88.77% peer average.
- Loan-to-share ratio 47.03% vs a 58.89% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,399
-1.8% YoY+0.2% QoQ
|
-186 |
2,585
-1.7% YoY
|
21,725
-5.1% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$54.5M
-2.0% YoY-2.0% QoQ
|
+$24.2M |
$30.3M
+1.5% YoY
|
$314.3M
-2.5% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$21.4M
+0.0% YoY-0.5% QoQ
|
+$5.9M |
$15.5M
-1.7% YoY
|
$223.6M
-4.3% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$45.5M
-3.1% YoY-2.8% QoQ
|
+$19.7M |
$25.8M
+1.1% YoY
|
$272.9M
-1.4% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
0.8%
+13.8% YoY+71.2% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.0%
+59.0% YoY
|
1.2%
+121.4% YoY
|
47% |
| NIM |
2.9%
+11.7% YoY+4.8% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
4.1%
+6.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.4% in tier |
| Efficiency Ratio |
78.5%
-1.0% YoY-9.8% QoQ
|
-10.3% |
88.8%
-6.9% YoY
|
76.8%
-1.7% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
0.3%
+289.2% YoY-0.7% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.5%
+11.1% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
47.0%
+3.2% YoY+2.4% QoQ
|
-11.9% |
58.9%
-3.1% YoY
|
71.5%
-1.0% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$27,895
-0.3% YoY-2.3% QoQ
|
+$13K |
$14,963
-6.8% YoY
|
$16,832
+1.8% YoY
|
$20,028
-0.9% YoY
|
Top 5.7% in tier |
| CD Concentration |
25.8%
-5.1% YoY-3.7% QoQ
|
+1.3% | 24.6% | 24.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.0% | 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)