BlastPoint's Credit Union Scorecard
NORTHWESTERN MUTUAL
Charter #66555 · WI
NORTHWESTERN MUTUAL has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 43.1% in tier
- + Wallet Share Momentum: Top 85.5% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.3% in tier
- + Average Member Relationship (AMR): Top 2.3% in tier
- + Total Delinquency Rate (60+ days): Top 3.7% in tier
- + Loan-to-Member Ratio (LMR): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 79.7% in tier
- - Credit Risk Growth: Bottom 85.0% in tier
- - ROA 0.10% below tier average
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - First Mortgage Concentration (%): Bottom 3.2% in tier
- - Fee Income Per Member: Bottom 4.2% in tier
- - Total Members: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,703
-0.1% YoY+0.2% QoQ
|
-8.7K |
15,437
-2.9% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
Bottom 8.9% in tier |
| Assets |
$264.7M
+7.5% YoY+4.1% QoQ
|
+$32.9M |
$231.9M
+1.3% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$121.6M
+3.8% YoY+2.9% QoQ
|
$-25.7M |
$147.3M
-0.1% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$217.0M
+6.8% YoY+3.5% QoQ
|
+$16.2M |
$200.8M
+0.8% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
0.7%
+77.5% YoY-0.3% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
1.7%
+21.5% YoY+1.2% QoQ
|
-1.9% |
3.6%
+6.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
62.6%
-16.7% YoY-1.3% QoQ
|
-14.4% |
77.0%
-3.1% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate |
0.1%
+2074.4% YoY+429.3% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.7% in tier |
| Loan To Share |
56.0%
-2.8% YoY-0.5% QoQ
|
-16.2% |
72.2%
-1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$50,515
+5.8% YoY+3.1% QoQ
|
+$26K |
$24,676
+3.4% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 2.4% in tier |
| CD Concentration |
15.3%
-12.4% YoY-6.3% QoQ
|
-9.1% | 24.4% | 21.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.0% | 7.8% | 50% |
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 (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)