NORTH WESTERN EMPLOYEES
Charter #64282 | IA
<100M
(2596 CUs)
Micro
($0-$500M)
39 <100M in IA
NORTH WESTERN EMPLOYEES demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Net Interest Margin 0.04% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,199
+1.4% YoY-0.1% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
24,664
+0.3% YoY
|
33,089
+6.1% YoY
|
33rd in tier |
| Assets |
$10.2M
-0.0% YoY+0.0% QoQ
|
$-19.6M |
$29.9M
+1.1% YoY
|
$515.3M
+7.1% YoY
|
$547.7M
+7.8% YoY
|
32nd in tier |
| Loans |
$4.7M
-2.6% YoY-0.9% QoQ
|
$-11.1M |
$15.8M
-2.4% YoY
|
$418.6M
+8.3% YoY
|
$388.7M
+8.6% YoY
|
32nd in tier |
| Deposits |
$8.1M
-1.6% YoY-0.4% QoQ
|
$-17.4M |
$25.5M
+0.4% YoY
|
$421.4M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
32nd in tier |
| ROA |
1.4%
+28.3% YoY-2.6% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
1.0%
+0.3% YoY
|
0.7%
+273.4% YoY
|
Top 22.5% in tier |
| NIM |
4.0%
+3.8% YoY+1.1% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.8%
+3.9% YoY
|
3.7%
+5.0% YoY
|
53rd in tier |
| Efficiency Ratio |
70.2%
-8.0% YoY+1.7% QoQ
|
-11.2% |
81.4%
-2.4% YoY
|
72.0%
+0.4% YoY
|
79.1%
-3.3% YoY
|
32nd in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-5.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
58.0%
-1.0% YoY-0.5% QoQ
|
-3.3% |
61.2%
-3.0% YoY
|
77.1%
-1.2% YoY
|
68.0%
-1.7% YoY
|
45th in tier |
| AMR |
$10,648
-3.3% YoY-0.5% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$20,702
+4.3% YoY
|
$19,418
+1.3% YoY
|
32nd in tier |
| CD Concentration |
30.3%
-2.9% YoY-0.1% QoQ
|
+5.9% |
24.4%
+4.2% YoY
|
22.0%
+1.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.3%
-2.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
200
Members Per Employee (MPE)
engagement
Value:
599.500
Peer Avg: 365.701
#200 of 2596
Top 7.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
512
Net Worth Ratio
risk
Value:
20.85%
Peer Avg: 16.43%
#512 of 2596
Top 19.7% in <100M tier
542
Member Growth Rate
growth
Value:
1.35%
Peer Avg: 14.92%
#542 of 2596
Top 20.8% in <100M tier
585
Return on Assets (ROA)
profitability
Value:
1.41%
Peer Avg: 0.68%
#585 of 2596
Top 22.5% in <100M tier
Top Weaknesses (2 metrics)
2167
Share Certificate Concentration (%)
balance_sheet
Value:
30.33%
Peer Avg: 15.37%
#2167 of 2596
Bottom 16.6% in <100M tier
1987
AMR Growth Rate
growth
Value:
-3.28%
Peer Avg: 4.67%
#1987 of 2596
Bottom 23.5% in <100M tier