NORTHWEST CHRISTIAN

Charter #97073 | ID

100M-500M (1077 CUs) Micro
9 100M-500M in ID

NORTHWEST CHRISTIAN has 2 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 22.2% in tier
  • + First Mortgage Concentration (%): Top 6.3% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 9.8% in tier
  • - Deposit Outflow: Bottom 15.0% in tier
  • - Indirect Auto Dependency: Bottom 32.2% in tier
  • - ROA 0.20% below tier average
  • - Total Assets: Bottom 0.6% in tier
  • - Total Members: Bottom 3.6% in tier
  • - Members Per Employee (MPE): Bottom 4.2% in tier
  • - Total Deposits: Bottom 4.3% in tier
  • - Total Loans: Bottom 6.4% in tier
  • - AMR Growth Rate: Bottom 7.0% in tier
  • - Deposit Growth Rate: Bottom 7.6% in tier
  • - Net Worth Ratio: Bottom 8.4% in tier
  • - Asset Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 5,189
-0.1% YoY+0.2% QoQ
 -10.4K 15,628
-3.4% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 Bottom 3.5% in tier
Assets $101.3M
-2.0% YoY-1.3% QoQ
 $-130.0M $231.3M
-0.0% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 Bottom 0.5% in tier
Loans $53.9M
-5.0% YoY-0.4% QoQ
 $-93.9M $147.8M
-1.4% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 Bottom 6.3% in tier
Deposits $91.8M
-2.6% YoY-1.4% QoQ
 $-108.5M $200.3M
-0.0% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 Bottom 4.2% in tier
ROA 0.6%
-271.8% YoY-21.6% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 39th in tier
NIM 2.9%
+2.3% YoY+1.1% QoQ
 -0.6% 3.6%
+6.9% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 Bottom 18.0% in tier
Efficiency Ratio 75.4%
-17.8% YoY+11.1% QoQ
 -1.9% 77.3%
-3.0% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 44th in tier
Delinquency Rate 0.7%
-30.7% YoY+1.9% QoQ
 -0.1 0.9%
+7.6% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 53rd in tier
Loan To Share 58.7%
-2.4% YoY+1.0% QoQ
 -14.0% 72.7%
-1.5% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 Bottom 19.8% in tier
AMR $28,071
-3.4% YoY-1.2% QoQ
 +$4K $24,363
+2.9% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 Top 22.7% in tier
CD Concentration 31.5%
+36.6% YoY+5.9% QoQ
 +7.1% 24.4%
+4.2% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 15.8%
-35.4% YoY-11.6% QoQ
 +1.8% 14.0%
-5.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#418 of 627 • Top 22.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.59%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.06%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline
#99 of 244 • Bottom 9.8% in tier

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

Why This Signature
AMR Growth (YoY): -3.43%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Deposit Outflow

decline
#89 of 114 • Bottom 15.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.59%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $101.32M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#519 of 525 • Bottom 32.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -2.01%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 15.79%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -0.06%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

69
First Mortgage Concentration (%)
balance_sheet
Value: 5.44%
Peer Avg: 30.43%
#69 of 1077 Top 6.3% in 100M-500M tier
245
Average Member Relationship (AMR)
engagement
Value: $28,071
Peer Avg: $24,363
#245 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (14 metrics)

1072
Total Assets
balance_sheet
Value: $101.32M
Peer Avg: $231.30M
#1072 of 1077 Bottom 0.6% in 100M-500M tier
1039
Total Members
engagement
Value: 5,189
Peer Avg: 15,628
#1039 of 1077 Bottom 3.6% in 100M-500M tier
1033
Members Per Employee (MPE)
engagement
Value: 199.577
Peer Avg: 332.881
#1033 of 1077 Bottom 4.2% in 100M-500M tier
1032
Total Deposits
balance_sheet
Value: $91.80M
Peer Avg: $200.29M
#1032 of 1077 Bottom 4.3% in 100M-500M tier
1009
Total Loans
balance_sheet
Value: $53.86M
Peer Avg: $147.80M
#1009 of 1077 Bottom 6.4% in 100M-500M tier
1003
AMR Growth Rate
growth
Value: -3.43%
Peer Avg: 3.64%
#1003 of 1077 Bottom 7.0% in 100M-500M tier
996
Deposit Growth Rate
growth
Value: -2.59%
Peer Avg: 4.69%
#996 of 1077 Bottom 7.6% in 100M-500M tier
988
Net Worth Ratio
risk
Value: 8.51%
Peer Avg: 12.15%
#988 of 1077 Bottom 8.4% in 100M-500M tier
971
Asset Growth Rate
growth
Value: -2.01%
Peer Avg: 4.70%
#971 of 1077 Bottom 9.9% in 100M-500M tier
933
Loan Growth Rate
growth
Value: -4.97%
Peer Avg: 3.45%
#933 of 1077 Bottom 13.5% in 100M-500M tier