BlastPoint's Credit Union Scorecard
NORTHWEST CHRISTIAN
Charter #97073 · ID
NORTHWEST CHRISTIAN has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + First Mortgage Concentration (%): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 11.70% above tier (higher cost structure)
- - Total Assets: Bottom 3.7% in tier
- - Total Members: Bottom 4.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,089
-1.9% YoY-0.8% QoQ
|
-10.1K |
15,145
-2.5% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
Bottom 4.0% in tier |
| Assets |
$104.6M
+1.9% YoY+0.4% QoQ
|
$-127.1M |
$231.7M
+0.8% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.6% in tier |
| Loans |
$52.6M
-3.8% YoY+0.8% QoQ
|
$-91.5M |
$144.1M
+0.2% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.1% in tier |
| Deposits |
$95.1M
+1.6% YoY+0.5% QoQ
|
$-106.0M |
$201.1M
+0.4% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.2% in tier |
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| ROA |
0.0%
-94.1% YoY-95.7% QoQ
|
-0.7% |
0.7%
+5.1% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 8.2% in tier |
| NIM |
3.1%
+5.9% YoY+3.9% QoQ
|
-0.6% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
89.7%
+11.5% YoY+13.2% QoQ
|
+11.7% |
78.0%
-1.7% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
85% |
| Delinquency Rate |
0.7%
-2.4% YoY-27.7% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
55.3%
-5.4% YoY+0.3% QoQ
|
-15.1% |
70.4%
-0.4% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$29,022
+1.5% YoY+1.4% QoQ
|
+$4K |
$24,918
+2.7% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
78% |
| CD Concentration |
28.6%
-1.3% YoY-2.1% QoQ
|
+4.4% | 24.3% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
12.7%
-37.5% YoY-13.1% QoQ
|
-1.1% | 13.8% | 11.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)