BlastPoint's Credit Union Scorecard
NORTHWEST PLUS
Charter #67262 · WA
NORTHWEST PLUS has 1 strength but faces 2 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
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.15% below tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,591
-0.1% YoY-0.4% QoQ
|
+153 |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$314.7M
+4.4% YoY+0.5% QoQ
|
+$82.9M |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$184.6M
+2.2% YoY-0.0% QoQ
|
+$37.2M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$275.9M
+6.1% YoY+2.1% QoQ
|
+$75.1M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.6%
+0.1% YoY+5.9% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.3%
+2.6% YoY-0.2% QoQ
|
-0.3% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
71.1%
-1.9% YoY+1.3% QoQ
|
-5.9% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
0.7%
-20.9% YoY-32.4% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
66.9%
-3.7% YoY-2.1% QoQ
|
-5.3% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$29,535
+4.6% YoY+1.7% QoQ
|
+$5K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
17.4%
+48.4% YoY+12.7% QoQ
|
-7.0% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
23.8%
+14.9% YoY-1.6% QoQ
|
+10.0% | 13.8% | 16.8% | 7.8% | 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 (1)
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)