BlastPoint's Credit Union Scorecard
NORTHWESTERN MUTUAL
Charter #66555 · WI
NORTHWESTERN MUTUAL has 7 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 2.4% in tier
- + Relationship Depth Leader: Top 77.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.7% in tier
- + Net Charge-Off Rate: Top 1.8% in tier
- + Average Member Relationship (AMR): Top 2.4% in tier
- + Loan-to-Member Ratio (LMR): Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 19.7% in tier
- - Credit Risk Growth: Bottom 28.5% in tier
- - Credit Quality Pressure: Bottom 28.5% in tier
- - Membership Headwinds: Bottom 31.8% in tier
- - ROA 0.13% below tier average
- - Net Interest Margin (NIM): Bottom 0.8% in tier
- - First Mortgage Concentration (%): Bottom 2.9% in tier
- - Fee Income Per Member: Bottom 5.4% in tier
- - Total Members: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,691
-0.7% YoY+0.5% QoQ
|
-8.9K |
15,628
-3.4% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.6% in tier |
| Assets |
$254.2M
+2.5% YoY-0.5% QoQ
|
+$22.9M |
$231.3M
-0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$118.1M
+3.2% YoY+0.3% QoQ
|
$-29.7M |
$147.8M
-1.4% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
46% |
| Deposits |
$209.7M
+1.3% YoY-0.8% QoQ
|
+$9.4M |
$200.3M
-0.0% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
61% |
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| ROA |
0.7%
+109.0% YoY+13.2% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
1.6%
+25.2% YoY+5.8% QoQ
|
-1.9% |
3.6%
+6.9% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio |
63.5%
-18.7% YoY-3.9% QoQ
|
-13.8% |
77.3%
-3.0% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.0% in tier |
| Delinquency Rate |
0.0%
+235.1% YoY+350.3% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.7% in tier |
| Loan To Share |
56.3%
+1.9% YoY+1.1% QoQ
|
-16.4% |
72.7%
-1.5% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
17% |
| AMR |
$48,995
+2.7% YoY-0.9% QoQ
|
+$25K |
$24,363
+2.9% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
Top 2.5% in tier |
| CD Concentration |
16.4%
-11.3% YoY+1.9% QoQ
|
-8.0% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)