BlastPoint's Credit Union Scorecard
NORTHWESTERN
Charter #6949 · OH
NORTHWESTERN faces 3 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.37% below tier average
- - Efficiency ratio 8.09% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 9.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -5.9% year over year ($14.6M in shares and deposits).
- Membership: 1,825 members, +3.2% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.12%.
- Efficiency ratio 96.85% vs a 88.77% peer average.
- Loan-to-share ratio 34.97% vs a 58.89% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,825
+3.2% YoY+0.2% QoQ
|
-760 |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$16.1M
-5.1% YoY-3.9% QoQ
|
$-14.2M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$5.1M
-0.4% YoY-2.2% QoQ
|
$-10.3M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
35% |
| Deposits |
$14.6M
-5.9% YoY-4.3% QoQ
|
$-11.2M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
44% |
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| ROA |
0.1%
-81.9% YoY+22.8% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.7% in tier |
| NIM |
3.3%
+14.4% YoY+2.4% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
96.9%
+20.1% YoY-0.5% QoQ
|
+8.1% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
0.4%
+123.2% YoY-8.3% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
35.0%
+5.9% YoY+2.2% QoQ
|
-23.9% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$10,827
-7.5% YoY-3.9% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
25.1%
+0.4% YoY-3.5% QoQ
|
+0.6% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)