BlastPoint's Credit Union Scorecard
FREEDOM NORTHWEST
Charter #65722 · ID
FREEDOM NORTHWEST has 13 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 10.5% in tier
- + Wallet Share Momentum: Top 19.7% in tier
- + ROA 1.67% above tier average
- + Loan-to-Share Ratio: Top 0.0% in tier
- + 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
- + Net Charge-Off Rate: Top 2.4% in tier
- + AMR Growth Rate: Top 6.7% in tier
- + Loan Growth Rate: Top 8.5% in tier
- + Total Loans: Top 8.5% in tier
- + Fee Income Per Member: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.9% in tier
- - Credit Risk Growth: Bottom 21.1% in tier
- - Credit Quality Pressure: Bottom 54.1% in tier
- - First Mortgage Concentration (%): Bottom 0.6% in tier
- - Total Members: Bottom 0.6% in tier
- - Share Certificate Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,915
-0.3% YoY+1.2% QoQ
|
-25.7K |
38,575
-4.8% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
Bottom 0.0% in tier |
| Assets |
$645.2M
+9.6% YoY-0.1% QoQ
|
+$23.4M |
$621.7M
+0.1% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$555.5M
+13.0% YoY+3.7% QoQ
|
+$125.7M |
$429.8M
-1.8% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Top 9.1% in tier |
| Deposits |
$481.6M
+9.4% YoY-1.2% QoQ
|
$-57.1M |
$538.7M
+0.6% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
2.3%
+13.8% YoY+5.8% QoQ
|
+1.7% |
0.7%
+42.9% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
Top 0.6% in tier |
| NIM |
3.4%
+12.0% YoY+2.5% QoQ
|
-0.0% |
3.4%
+8.0% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
40.2%
-5.0% YoY-3.6% QoQ
|
-37.3% |
77.5%
-4.1% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.6% in tier |
| Delinquency Rate |
0.4%
+91.1% YoY+21.2% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
115.4%
+3.3% YoY+4.9% QoQ
|
+35.5% |
79.8%
-2.3% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Top 0.6% in tier |
| AMR |
$80,302
+11.6% YoY+0.2% QoQ
|
+$53K |
$26,849
+2.7% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
Top 0.6% in tier |
| CD Concentration |
43.6%
+18.5% YoY+15.1% QoQ
|
+19.2% | 24.4% | 27.2% | 19.8% | Top 3.9% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.9% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
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.
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)