BlastPoint's Credit Union Scorecard
NORTHWEST COMMUNITY
Charter #97108 · IL
<100M
2508 CUs in <100M nationally
137 in IL
NORTHWEST COMMUNITY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 0.4% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + Total Loans: Top 5.0% in tier
- + Loan Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency ratio 7.48% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Share Certificate Concentration (%): Bottom 4.7% in tier
- - First Mortgage Concentration (%): Bottom 7.0% in tier
- - Net Interest Margin (NIM): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,424
-4.1% YoY+0.9% QoQ
|
-252 |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$65.4M
+1.0% YoY+0.2% QoQ
|
+$35.3M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Top 14.3% in tier |
| Loans |
$49.5M
+10.6% YoY+2.9% QoQ
|
+$34.3M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Top 5.1% in tier |
| Deposits |
$59.7M
+1.3% YoY+0.0% QoQ
|
+$34.0M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Top 12.3% in tier |
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| ROA |
0.0%
-96.7% YoY-80.2% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
22% |
| NIM |
2.6%
+5.8% YoY-0.9% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio |
98.1%
+13.7% YoY+4.8% QoQ
|
+7.5% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
1.0%
+48.5% YoY+3.0% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
82.9%
+9.1% YoY+2.9% QoQ
|
+24.4% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
85% |
| AMR |
$45,085
+9.8% YoY+0.4% QoQ
|
+$30K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
Top 0.6% in tier |
| CD Concentration |
46.9%
+2.5% YoY+0.7% QoQ
|
+22.6% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.3% | -13.5% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
11
Loan-to-Member Ratio (LMR)
engagement
Value:
$20,436
Peer Median: $4,923
#11 of 2508
Top 0.4% in <100M tier
15
Average Member Relationship (AMR)
engagement
Value:
$45,085
Peer Median: $13,926
#15 of 2508
Top 0.6% in <100M tier
127
Total Loans
balance_sheet
Value:
$49.54M
Peer Median: $9.48M
#127 of 2508
Top 5.0% in <100M tier
235
Loan Growth Rate
growth
Value:
10.57%
Peer Median: -2.36%
#235 of 2508
Top 9.3% in <100M tier
252
AMR Growth Rate
growth
Value:
9.84%
Peer Median: 1.27%
#252 of 2508
Top 10.0% in <100M tier
309
Total Deposits
balance_sheet
Value:
$59.75M
Peer Median: $18.77M
#309 of 2508
Top 12.3% in <100M tier
359
Total Assets
balance_sheet
Value:
$65.45M
Peer Median: $21.86M
#359 of 2508
Top 14.3% in <100M tier
380
Loan-to-Share Ratio
balance_sheet
Value:
82.91%
Peer Median: 58.72%
#380 of 2508
Top 15.1% in <100M tier
Top Weaknesses (8 metrics)
2390
Share Certificate Concentration (%)
balance_sheet
Value:
46.90%
Peer Median: 12.45%
#2390 of 2508
Bottom 4.7% in <100M tier
2334
First Mortgage Concentration (%)
balance_sheet
Value:
52.75%
Peer Median: 3.66%
#2334 of 2508
Bottom 7.0% in <100M tier
2280
Net Interest Margin (NIM)
profitability
Value:
2.58%
Peer Median: 3.83%
#2280 of 2508
Bottom 9.1% in <100M tier
2148
Net Worth Ratio
risk
Value:
9.62%
Peer Median: 14.28%
#2148 of 2508
Bottom 14.4% in <100M tier
2144
Indirect Auto Concentration (%)
balance_sheet
Value:
0.34%
Peer Median: 0.00%
#2144 of 2508
Bottom 14.6% in <100M tier
2061
Efficiency Ratio
profitability
Value:
98.11%
Peer Median: 81.45%
#2061 of 2508
Bottom 17.9% in <100M tier
1968
Return on Assets (ROA)
profitability
Value:
0.01%
Peer Median: 0.61%
#1968 of 2508
Bottom 21.6% in <100M tier
1952
Member Growth Rate
growth
Value:
-4.11%
Peer Median: -1.37%
#1952 of 2508
Bottom 22.2% in <100M tier