FREEDOM NORTHWEST
Charter #65722 · KAMIAH, ID · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 13,031 sits at the 10th percentile of structural peers — worth a closer look.
- Net worth ratio of 13.24% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.46% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.54% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.72% ranks in the 16th 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 | FREEDOM NORTHWEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $667.85M | 41th pct | 31th pct |
| Members | 13,031 | 0th pct | 10th pct |
| Net worth ratio | 13.24% | 83th pct | 84th pct |
| Return on average assets | 2.46% | 99th pct | 98th pct |
| Net interest margin | 3.54% | 52th pct | 75th pct |
| Cost of funds | 0.72% | 17th pct | 16th pct |
| Loan-to-share | 113.77% | 100th pct | 93th pct |
| Delinquency 60+ days | 0.62% | 52th pct | 57th pct |
| Net charge-off ratio | 0.04% | 3th pct | 11th pct |
| Loan growth YoY | 5.61% | 91th pct | 89th pct |
| Share growth YoY | 2.05% | 22th pct | 26th pct |
| Efficiency ratio | 40.62% | 1th pct | 0th pct |
structural peer set hash: 73b10b4ac37ae165c55b96f62f3a2cee… (reproducible)
Closest structural peers
This is the free public view
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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.