BlastPoint's Credit Union Scorecard
NORTHWEST COMMUNITY
Charter #97108 · IL
NORTHWEST COMMUNITY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.6% in tier
- + Average Member Relationship (AMR): Top 0.8% in tier
- + Total Loans: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 10.27% above tier (higher cost structure)
- - Member decline: -5.4% YoY
- - Share Certificate Concentration (%): Bottom 5.4% in tier
- - First Mortgage Concentration (%): Bottom 7.9% in tier
- - Net Interest Margin (NIM): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,499
-5.4% YoY-0.6% QoQ
|
-126 |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$64.8M
-0.6% YoY-0.2% QoQ
|
+$34.9M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Top 14.6% in tier |
| Loans |
$48.1M
+7.9% YoY+4.8% QoQ
|
+$32.3M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Top 6.2% in tier |
| Deposits |
$59.1M
-0.5% YoY+0.0% QoQ
|
+$33.6M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Top 12.4% in tier |
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| ROA |
0.1%
-167.9% YoY-36.0% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
2.6%
+26.3% YoY+3.2% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio |
91.7%
-15.2% YoY+0.7% QoQ
|
+10.3% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.6%
+405.0% YoY-13.1% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
81.4%
+8.5% YoY+4.7% QoQ
|
+20.2% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
79% |
| AMR |
$42,899
+9.0% YoY+2.7% QoQ
|
+$28K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 0.8% in tier |
| CD Concentration |
44.0%
-3.6% YoY-4.8% QoQ
|
+19.6% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
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)