BlastPoint's Credit Union Scorecard

NORTHWESTERN

Charter #6949 · OH

<100M

2508 CUs in <100M nationally 116 in OH

NORTHWESTERN faces 2 concerns requiring attention

National Analysis

How does the industry compare?

OH Analysis

How does OH stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency ratio 6.75% above tier (higher cost structure)
- Net Worth Ratio: Bottom 8.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Members	1,822 +3.2% YoY+0.3% QoQ	-854	2,676 +1.6% YoY	16,936 +6.2% YoY	33,913 +5.7% YoY	48%
Assets	$16.8M +1.1% YoY+2.6% QoQ	$-13.4M	$30.2M +1.3% YoY	$257.9M +8.7% YoY	$578.3M +9.0% YoY	43%
Loans	$5.2M +1.6% YoY-6.3% QoQ	$-10.0M	$15.3M -2.0% YoY	$174.2M +8.4% YoY	$402.4M +8.7% YoY	36%
Deposits	$15.3M +0.7% YoY+2.8% QoQ	$-10.5M	$25.8M +0.7% YoY	$221.5M +9.0% YoY	$494.3M +9.1% YoY	45%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -85.3% YoY-84.7% QoQ	+0.0%	0.1% -77.6% YoY	0.6% +16.1% YoY	0.4% -39.2% YoY	26%
NIM	3.2% +15.4% YoY+0.8% QoQ	-0.8%	4.0% +4.0% YoY	3.7% +1.7% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	97.4% +23.5% YoY+17.5% QoQ	+6.7%	90.6% +6.5% YoY	82.0% -2.0% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	0.4% -2.5% QoQ	-1.1	1.5% +3.8% YoY	1.4% +35.7% YoY	1.2% +3.4% YoY	39%
Loan To Share	34.2% +1.0% YoY-8.9% QoQ	-24.3%	58.5% -3.0% YoY	61.3% -2.1% YoY	65.6% -1.4% YoY	15%
AMR	$11,270 -2.2% YoY+0.0% QoQ	$-4K	$14,884 -1.7% YoY	$17,686 +5.3% YoY	$19,920 +1.6% YoY	35%
CD Concentration	26.0% -12.7% YoY-0.4% QoQ	+1.8%	24.3%	19.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

281

Member Growth Rate

growth

Value: 3.23%

Peer Median: -1.37%

#281 of 2508 Top 11.2% in <100M tier

Top Weaknesses (5 metrics)

2308

Net Worth Ratio

risk

Value: 8.61%

Peer Median: 14.28%

#2308 of 2508 Bottom 8.0% in <100M tier

2125

Loan-to-Share Ratio

balance_sheet

Value: 34.22%

Peer Median: 58.72%

#2125 of 2508 Bottom 15.3% in <100M tier

2048

Efficiency Ratio

profitability

Value: 97.38%

Peer Median: 81.45%

#2048 of 2508 Bottom 18.4% in <100M tier

1924

Loan-to-Member Ratio (LMR)

engagement

Value: $2,873

Peer Median: $4,923

#1924 of 2508 Bottom 23.3% in <100M tier

1922

Share Certificate Concentration (%)

balance_sheet

Value: 26.05%

Peer Median: 12.45%

#1922 of 2508 Bottom 23.4% in <100M tier