BlastPoint's Credit Union Scorecard

NORTHWEST CHRISTIAN

Charter #97073 · ID

1069 CUs in 100M-500M nationally 9 in ID

NORTHWEST CHRISTIAN has 1 strength but faces 17 concerns

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ First Mortgage Concentration (%): Top 5.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 46.6% in tier
- Shrinking Wallet Share: Bottom 61.4% in tier
- Credit Quality Pressure: Bottom 81.0% in tier
- Accelerating Exit Risk: Bottom 81.8% in tier
- Institutional Decline: Bottom 88.7% in tier
- Membership Headwinds: Bottom 90.4% in tier
- Wealth Migration Risk: Bottom 100.0% in tier
- ROA 0.29% below tier average
- Efficiency ratio 2.27% above tier (higher cost structure)
- Delinquency rate 0.04% above tier average
- Total Assets: Bottom 2.6% in tier
- Total Members: Bottom 3.6% in tier
- Loan Growth Rate: Bottom 5.3% in tier
- Members Per Employee (MPE): Bottom 5.4% in tier
- Net Worth Ratio: Bottom 6.1% in tier
- Total Loans: Bottom 6.1% in tier
- Total Deposits: Bottom 6.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	5,131 -0.9% YoY-1.1% QoQ	-10.3K	15,437 -2.9% YoY	54,272 +7.9% YoY	33,374 +5.7% YoY	Bottom 3.6% in tier
Assets	$104.2M +0.8% YoY+2.8% QoQ	$-127.7M	$231.9M +1.3% YoY	$970.0M +13.3% YoY	$561.6M +9.7% YoY	Bottom 2.5% in tier
Loans	$52.2M -8.0% YoY-3.1% QoQ	$-95.2M	$147.3M -0.1% YoY	$802.2M +13.5% YoY	$397.0M +8.8% YoY	Bottom 6.0% in tier
Deposits	$94.6M +0.2% YoY+3.1% QoQ	$-106.2M	$200.8M +0.8% YoY	$828.5M +12.5% YoY	$477.3M +9.7% YoY	Bottom 6.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -210.1% YoY-19.5% QoQ	-0.3%	0.8% +18.2% YoY	0.8% +25.2% YoY	0.7% +15.9% YoY	29%
NIM	2.9% +3.6% YoY-0.2% QoQ	-0.7%	3.6% +6.7% YoY	3.7% +5.8% YoY	3.8% +5.1% YoY	16%
Efficiency Ratio	79.3% -18.9% YoY+5.1% QoQ	+2.3%	77.0% -3.1% YoY	73.6% -4.6% YoY	79.7% -3.3% YoY	57%
Delinquency Rate	0.9% +7.9% YoY+30.3% QoQ	+0.0	0.9% +4.2% YoY	0.9% -20.4% YoY	1.3% -2.1% YoY	65%
Loan To Share	55.2% -8.2% YoY-6.0% QoQ	-17.1%	72.2% -1.1% YoY	84.8% -0.9% YoY	67.4% -1.7% YoY	16%
AMR	$28,613 -2.0% YoY+1.9% QoQ	+$4K	$24,676 +3.4% YoY	$24,417 +3.6% YoY	$19,687 +2.0% YoY	78%
CD Concentration	29.3% +18.3% YoY-7.0% QoQ	+4.8%	24.4%	27.2%	19.8%	50%
Indirect Auto %	14.6% -34.4% YoY-7.5% QoQ	+0.8%	13.8%	11.9%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#259 of 554 • Bottom 46.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.85%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -7.97%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.93%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Shrinking Wallet Share

decline

#128 of 208 • Bottom 61.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.01%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Credit Quality Pressure

risk

#571 of 705 • Bottom 81.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#46 of 56 • Bottom 81.8% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.85%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -2.01%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Institutional Decline

decline

#213 of 240 • Bottom 88.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $104.21M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -0.85%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -7.97%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline

#501 of 554 • Bottom 90.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.85%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Wealth Migration Risk

decline

#20 of 20 • Bottom 100.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $28.6K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -2.01%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

→ No prior data (20 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (2 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 5.31%

Peer Median: -

#62 of 1069 Top 5.7% in 100M-500M tier

241

Average Member Relationship (AMR)

engagement

Value: $28,613

Peer Median: -

#241 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (13 metrics)

1042

Total Assets

balance_sheet

Value: $104.21M

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

1031

Total Members

engagement

Value: 5,131

Peer Median: -

#1031 of 1069 Bottom 3.6% in 100M-500M tier

1013

Loan Growth Rate

growth

Value: -7.97%

Peer Median: -

#1013 of 1069 Bottom 5.3% in 100M-500M tier

1012

Members Per Employee (MPE)

engagement

Value: 205.240

Peer Median: -

#1012 of 1069 Bottom 5.4% in 100M-500M tier

1005

Net Worth Ratio

risk

Value: 8.31%

Peer Median: -

#1005 of 1069 Bottom 6.1% in 100M-500M tier

1005

Total Loans

balance_sheet

Value: $52.19M

Peer Median: -

#1005 of 1069 Bottom 6.1% in 100M-500M tier

1002

Total Deposits

balance_sheet

Value: $94.63M

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

962

AMR Growth Rate

growth

Value: -2.01%

Peer Median: -

#962 of 1069 Bottom 10.1% in 100M-500M tier

900

Loan-to-Share Ratio

balance_sheet

Value: 55.15%

Peer Median: -

#900 of 1069 Bottom 15.9% in 100M-500M tier

895

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier