BlastPoint's Credit Union Scorecard
NORTHWEST CHRISTIAN
Charter #97073 · ID
NORTHWEST CHRISTIAN has 1 strength but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 9.8% in tier
- - Indirect Auto Dependency: Bottom 32.2% in tier
- - Deposit Outflow: Bottom 82.5% 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 |
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| 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
|
39% |
| 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
|
18% |
| 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
|
44% |
| 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
|
53% |
| 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
|
20% |
| 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
|
77% |
| 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
|
50% |
| Indirect Auto % |
15.8%
-35.4% YoY-11.6% QoQ
|
+1.8% |
14.0%
-5.7% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)