BlastPoint's Credit Union Scorecard
NORTHWEST PLUS
Charter #67262 · WA
NORTHWEST PLUS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.19% below tier average
- - Member decline: -3.3% YoY
- - Fee Income Per Member: Bottom 5.9% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Washington.
- Shares and deposits +2.5% year over year ($274M in shares and deposits).
- Membership: 14,999 members, -3.3% vs a year ago.
- Delinquency rate 0.80%.
- Return on assets 0.67%.
- Efficiency ratio 71.83% vs a 76.73% peer average.
- Loan-to-share ratio 63.94% vs a 71.54% 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,999
-3.3% YoY-1.4% QoQ
|
-169 |
15,168
-2.6% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$315.2M
+2.4% YoY-0.9% QoQ
|
+$83.2M |
$232.0M
+0.7% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$175.1M
-4.9% YoY-1.4% QoQ
|
+$28.8M |
$146.3M
+0.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$273.8M
+2.5% YoY-1.7% QoQ
|
+$73.1M |
$200.7M
+0.2% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
76% |
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| ROA |
0.7%
+21.9% YoY-16.0% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
3.4%
+4.8% YoY+2.7% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
71.8%
+0.3% YoY+4.3% QoQ
|
-4.9% |
76.7%
-0.8% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.8%
+63.9% YoY+231.5% QoQ
|
-0.1 |
0.9%
+6.6% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
63.9%
-7.2% YoY+0.3% QoQ
|
-7.6% |
71.5%
-0.3% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$29,930
+2.9% YoY-0.2% QoQ
|
+$5K |
$25,107
+3.2% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
16.0%
+13.5% YoY-3.6% QoQ
|
-8.6% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
22.1%
-0.7% YoY-5.2% QoQ
|
+8.5% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)