FREEDOM NORTHWEST

Charter #65722 | ID

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in ID

FREEDOM NORTHWEST has 12 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 1.2% in tier
  • + Relationship Depth Leader: Top 3.7% in tier
  • + ROA 1.55% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.0% in tier
  • + Efficiency Ratio: Top 0.6% in tier
  • + Loan-to-Share Ratio: Top 1.2% in tier
  • + AMR Growth Rate: Top 3.0% in tier
  • + Net Charge-Off Rate: Top 3.6% in tier
  • + Fee Income Per Member: Top 8.3% in tier
  • + Loan Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 0.1% in tier
  • - Liquidity Strain: Bottom 0.5% in tier
  • - Membership Headwinds: Bottom 8.7% in tier
  • - Liquidity Overhang: Bottom 35.2% in tier
  • - Member decline: -4.3% YoY
  • - First Mortgage Concentration (%): Bottom 0.6% in tier
  • - Total Members: Bottom 0.6% in tier
  • - Member Growth Rate: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 12,767
-4.3% YoY-0.8% QoQ
 -27.0K 39,752
-2.7% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 Bottom 0.0% in tier
Assets $645.9M
+10.6% YoY+2.2% QoQ
 +$23.5M $622.4M
+0.3% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 60th in tier
Loans $535.9M
+12.5% YoY+3.3% QoQ
 +$99.9M $435.9M
-0.4% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 Top 17.8% in tier
Deposits $487.4M
+11.2% YoY+3.3% QoQ
 $-50.6M $538.0M
+1.3% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 27th in tier
ROA 2.2%
+7.7% YoY+1.7% QoQ
 +1.5% 0.7%
+33.9% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 Top 0.6% in tier
NIM 3.3%
+11.2% YoY-0.8% QoQ
 -0.1% 3.4%
+8.6% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 38th in tier
Efficiency Ratio 41.7%
-0.2% YoY-2.4% QoQ
 -36.4% 78.1%
-3.4% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 Bottom 0.6% in tier
Delinquency Rate 0.3%
-30.5% YoY+1.4% QoQ
 -0.5 0.8%
-4.9% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 Bottom 17.8% in tier
Loan To Share 109.9%
+1.2% YoY-0.1% QoQ
 +28.9% 81.0%
-1.8% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 Top 1.8% in tier
AMR $80,152
+16.9% YoY+4.1% QoQ
 +$54K $26,482
+2.6% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 Top 0.6% in tier
CD Concentration 37.9%
-7.3% YoY+8.6% QoQ
 +13.5% 24.4%
+4.2% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 Top 10.4% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#34 of 1006 • Top 1.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 16.90%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#104 of 1006 • Top 3.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 16.90%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk
#2 of 550 • Bottom 0.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 2.20%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -4.33%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $80.2K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 37.92%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk
#5 of 258 • Bottom 0.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 109.94%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 12.46%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Membership Headwinds

decline
#144 of 550 • Bottom 8.7% in tier

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

Why This Signature
Member Growth (YoY): -4.33%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Overhang

risk
#546 of 552 • Bottom 35.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.37%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 109.94%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | 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)

Comparing against 169 peers in tier

Top Strengths (15 metrics)

1
Return on Assets (ROA)
profitability
Value: 2.20%
Peer Avg: 0.66%
#1 of 169 Top 0.0% in 500M-750M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
1
Average Member Relationship (AMR)
engagement
Value: $80,152
Peer Avg: $26,482
#1 of 169 Top 0.0% in 500M-750M tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $41,973
Peer Avg: $11,805
#1 of 169 Top 0.0% in 500M-750M tier
2
Efficiency Ratio
profitability
Value: 41.67%
Peer Avg: 78.10%
#2 of 169 Top 0.6% in 500M-750M tier
3
Loan-to-Share Ratio
balance_sheet
Value: 109.94%
Peer Avg: 81.02%
#3 of 169 Top 1.2% in 500M-750M tier
6
AMR Growth Rate
growth
Value: 16.90%
Peer Avg: 3.12%
#6 of 169 Top 3.0% in 500M-750M tier
7
Net Charge-Off Rate
risk
Value: 0.05%
Peer Avg: 0.51%
#7 of 169 Top 3.6% in 500M-750M tier
15
Fee Income Per Member
profitability
Value: $304.66
Peer Avg: $199.27
#15 of 169 Top 8.3% in 500M-750M tier
17
Loan Growth Rate
growth
Value: 12.46%
Peer Avg: 4.04%
#17 of 169 Top 9.5% in 500M-750M tier

Top Weaknesses (4 metrics)

169
First Mortgage Concentration (%)
balance_sheet
Value: 75.42%
Peer Avg: 33.53%
#169 of 169 Bottom 0.6% in 500M-750M tier
169
Total Members
engagement
Value: 12,767
Peer Avg: 39,752
#169 of 169 Bottom 0.6% in 500M-750M tier
158
Member Growth Rate
growth
Value: -4.33%
Peer Avg: 1.75%
#158 of 169 Bottom 7.1% in 500M-750M tier
153
Share Certificate Concentration (%)
balance_sheet
Value: 37.92%
Peer Avg: 26.87%
#153 of 169 Bottom 10.1% in 500M-750M tier