State credit union · KAMIAH, Idaho · NCUA charter #65722
Freedom Northwest
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $645.2M
- Total assets
- 12,915
- Members
- 13.2%
- Net-worth ratio
Freedom Northwest scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $645.2M; members 12,915; net-worth ratio 13.24%; health rank #2,264 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,264 of 4,374 health · 2025Q4Freedom Northwest · health 83/100 · $645.2M · 2025Q4
Call Report peers
Freedom Northwest in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Freedom Northwest vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Freedom Northwest sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Freedom Northwest vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 115.36% vs peer 83.90% (+31.46 pp).
Idaho standing for Freedom Northwest
- Health composite ranks #17 of 26 among scored Idaho credit unions.
- By total assets, Freedom Northwest is #7 of 26 in Idaho.
- Membership ranks #14 of 26 among Idaho CUs with a reported count (12,915 members).
- One place up in Idaho, Rails West (#16) scores 84/100, 1 point higher; one place down, Mini-Cassia Empl. (#18) scores 77/100, 6 points lower.
Quarter path for Freedom Northwest
Freedom Northwest: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $645.2M (2025Q4) to $667.8M (2026Q1).
- Net-worth ratio shifted +0.16 pp (13.08% → 13.24%).
This credit union's 13.24% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Freedom Northwest gives up 17 points in total. Loan-to-Share Ratio costs the most, 10.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 4.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.24% | +2.06 pp |
| Delinquency Rate | 0.39% | -0.49 pp |
| Return on Assets | 1.86% | +1.35 pp |
| Member Growth | -0.25% | - |
| Loan-to-Share Ratio | 115.36% | +31.46 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Freedom Northwest quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $667.8M | - |
| 2025Q4 | $645.2M | 12,915 |
| 2024Q4 | $588.5M | 12,948 |
| 2023Q4 | $614.0M | 12,918 |
Credit Union Details
- Charter Number
- 65722
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Idaho
- City
- KAMIAH
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Freedom Northwest runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Kamiah Branch (Main Office) | Kamiah, ID |
| Kooskia Branch | Kooskia, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
Cross-state Call Report peers for Freedom Northwest
Similar total assets
Using this data
- Freedom Northwest ranks #2,264 of 4,374 nationally on financial health and #17 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- BEEHIVE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with BEEHIVE
Frequently Asked Questions
Is Freedom Northwest financially healthy?
On its 2025Q4 NCUA 5300 filing, Freedom Northwest scores 83/100 (Excellent), with a 13.24% net worth ratio and 0.39% of loans delinquent. It ranks #2,264 of 4,374 nationally on health and #17 of 26 in Idaho.
How does Freedom Northwest compare to other credit unions?
Freedom Northwest scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (115.36% vs 83.90%).
How can I join Freedom Northwest?
Membership eligibility for Freedom Northwest depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Freedom Northwest directly for current membership requirements and application steps.
Is my money safe at Freedom Northwest?
Freedom Northwest is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Freedom Northwest's net worth ratio of 13.24% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.