NORTHWEST
Charter #5500 · Herndon, VA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 267,951 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.41% sits at the 11th percentile of structural peers — worth a closer look.
- Net interest margin of 2.99% sits at the 7th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.37% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.30% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTHWEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.55B | 78th pct | 74th pct |
| Members | 267,951 | 81th pct | 75th pct |
| Net worth ratio | 11.81% | 69th pct | 70th pct |
| Return on average assets | 0.41% | 22th pct | 11th pct |
| Net interest margin | 2.99% | 26th pct | 7th pct |
| Cost of funds | 2.08% | 65th pct | 66th pct |
| Loan-to-share | 82.86% | 39th pct | 31th pct |
| Delinquency 60+ days | 0.37% | 23th pct | 21th pct |
| Net charge-off ratio | 0.30% | 23th pct | 8th pct |
| Loan growth YoY | 3.73% | 72th pct | 70th pct |
| Share growth YoY | 1.73% | 15th pct | 15th pct |
| Efficiency ratio | 84.17% | 89th pct | 95th pct |
structural peer set hash: 60419649ebade5131fbb537efd2e35b0… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.