BlastPoint's Credit Union Scorecard

FREEDOM NORTHWEST

Charter #65722 · ID

Community 500M-750M

169 CUs in 500M-750M nationally 4 in ID

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FREEDOM NORTHWEST has 14 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 3.9% in tier
+ Profitability Leader: Top 6.2% in tier
+ Wallet Share Momentum: Top 6.9% in tier
+ Credit Quality Leader: Top 77.0% 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
- 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	60%
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	82%
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	27%

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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	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	38%
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	18%
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% -5.7% YoY	12.1% -5.5% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#11 of 257 • Top 3.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

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

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Profitability Leader

growth

#22 of 340 • Top 6.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 2.20%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.16% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Wallet Share Momentum

growth

#34 of 481 • Top 6.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 16.90%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Credit Quality Leader

growth

#262 of 340 • Top 77.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.32%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.14% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (3)

Stagnation Risk

risk

#2 of 550 • Bottom 0.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.33%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 12.46%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.32%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

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: 3.65%, 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

648 nationally

→ Stable (555→550 CUs) -5 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)

Compare against:

Comparing against 169 peers in tier

Top Strengths (15 metrics)

Return on Assets (ROA)

profitability

Value: 2.20%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $80,152

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $41,973

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Efficiency Ratio

profitability

Value: 41.67%

Peer Avg: -

#2 of 169 Top 0.6% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 109.94%

Peer Avg: -

#3 of 169 Top 1.2% in 500M-750M tier

AMR Growth Rate

growth

Value: 16.90%

Peer Avg: -

#6 of 169 Top 3.0% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Avg: -

#7 of 169 Top 3.6% in 500M-750M tier

Fee Income Per Member

profitability

Value: $304.66

Peer Avg: -

#15 of 169 Top 8.3% in 500M-750M tier

Loan Growth Rate

growth

Value: 12.46%

Peer Avg: -

#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: -

#169 of 169 Bottom 0.6% in 500M-750M tier

169

Total Members

engagement

Value: 12,767

Peer Avg: -

#169 of 169 Bottom 0.6% in 500M-750M tier

158

Member Growth Rate

growth

Value: -4.33%

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

153

Share Certificate Concentration (%)

balance_sheet

Value: 37.92%

Peer Avg: -

#153 of 169 Bottom 10.1% in 500M-750M tier