BlastPoint's Credit Union Scorecard
NORTHWEST CONSUMERS
Charter #8077 · MI
NORTHWEST CONSUMERS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.07% above tier average
- + Net Interest Margin 0.75% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
- - Deposit Growth Rate: Bottom 8.9% in tier
- - Asset Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,323
-3.0% YoY-1.1% QoQ
|
-292 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$25.6M
-6.7% YoY+0.9% QoQ
|
$-4.6M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$13.2M
-7.8% YoY-3.8% QoQ
|
$-2.6M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$19.8M
-8.8% YoY-0.1% QoQ
|
$-5.8M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
1.7%
-0.2% YoY-4.7% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Top 11.7% in tier |
| NIM |
4.7%
+3.6% YoY-1.1% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
79% |
| Efficiency Ratio |
70.7%
+2.7% YoY+1.9% QoQ
|
-11.8% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.1%
+33.4% YoY+49.9% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
63% |
| Loan To Share |
66.3%
+1.0% YoY-3.7% QoQ
|
+5.6% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$14,205
-5.6% YoY-0.4% QoQ
|
$-578 |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
5.7%
-13.0% YoY-5.4% QoQ
|
-18.7% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 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)