BlastPoint's Credit Union Scorecard
FREEDOM NORTHWEST
Charter #65722 · ID
FREEDOM NORTHWEST has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does ID stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 13.5% in tier
- + Wallet Share Momentum: Top 13.5% in tier
- + Organic Growth Engine: Top 27.7% in tier
- + Organic Growth Leader: Top 27.7% in tier
- + ROA 1.68% above tier average
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.3% in tier
- - Credit Risk Growth: Bottom 9.3% in tier
- - Credit Quality Pressure: Bottom 20.4% in tier
- - First Mortgage Concentration (%): Bottom 0.6% in tier
- - Total Members: Bottom 0.6% in tier
- - Share Certificate Concentration (%): Bottom 1.2% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in Idaho.
- Shares and deposits +8.1% year over year ($510M in shares and deposits).
- Membership: 13,148 members, +2.2% vs a year ago.
- Delinquency rate 0.61%.
- Return on assets 2.50%.
- Efficiency ratio 39.51% vs a 76.56% peer average.
- Loan-to-share ratio 115.74% vs a 79.33% 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 (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,148
+2.2% YoY+0.9% QoQ
|
-24.7K |
37,897
-5.0% YoY
|
72,350
+37.4% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$693.1M
+9.7% YoY+3.8% QoQ
|
+$70.7M |
$622.4M
+0.6% YoY
|
$1.3B
+42.1% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$590.0M
+13.7% YoY+4.3% QoQ
|
+$161.5M |
$428.5M
-0.7% YoY
|
$1.1B
+44.8% YoY
|
$418.6M
+10.1% YoY
|
Top 6.7% in tier |
| Deposits |
$509.8M
+8.1% YoY+2.5% QoQ
|
$-30.0M |
$539.8M
+0.9% YoY
|
$1.1B
+40.5% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
2.5%
+15.4% YoY+3.6% QoQ
|
+1.7% |
0.8%
+39.5% YoY
|
0.8%
-11.7% YoY
|
1.2%
+121.4% YoY
|
Top 2.4% in tier |
| NIM |
3.5%
+4.6% YoY+0.8% QoQ
|
+0.0% |
3.5%
+5.0% YoY
|
3.6%
+0.7% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
39.5%
-7.5% YoY-2.7% QoQ
|
-37.1% |
76.6%
-3.6% YoY
|
77.8%
+6.1% YoY
|
83.0%
-5.3% YoY
|
Top 0.6% in tier |
| Delinquency Rate |
0.6%
+92.1% YoY-2.5% QoQ
|
-0.2 |
0.8%
+3.1% YoY
|
0.7%
-36.1% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
115.7%
+5.2% YoY+1.7% QoQ
|
+36.4% |
79.3%
-1.4% YoY
|
87.8%
+3.1% YoY
|
66.4%
-1.4% YoY
|
Top 0.6% in tier |
| AMR |
$83,650
+8.7% YoY+2.5% QoQ
|
+$56K |
$27,294
+4.1% YoY
|
$26,672
+11.3% YoY
|
$20,028
-0.9% YoY
|
Top 0.6% in tier |
| CD Concentration |
45.7%
+30.9% YoY-1.5% QoQ
|
+21.2% | 24.6% | 31.4% | 20.0% | Top 3.1% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 14.2% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)