State credit union · KAMIAH, Idaho · NCUA charter #65722
Freedom Northwest
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $645.2M
- Total assets
- 12,915
- Members
- 13.1%
- Net-worth ratio
Freedom Northwest - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65722, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Freedom Northwest - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth57
- Liquidity (loan-to-share)32
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.08% | 30% |
| Delinquency Rate | 0.39% | 25% |
| Return on Assets | 1.86% | 15% |
| Member Growth | -0.25% | 15% |
| Loan-to-Share Ratio | 115.36% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Freedom Northwest
The five-factor composite scores Freedom Northwest at 83/100 (Excellent), reflecting a net worth ratio of 13.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in KAMIAH, Idaho, reports 12,915 members, $645.2M in total assets, and $555.5M in outstanding loans as of Q4 2025 under charter #65722 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
On loan book quality: 0.39% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 115.36% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.86% on net income of $12.0M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.25%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Freedom Northwest financially healthy?
Freedom Northwest scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.08% net worth ratio and a 0.39% delinquency rate.
How does Freedom Northwest compare to other credit unions?
On PlainCU's health composite, Freedom Northwest lands at 83/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Freedom Northwest are 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 13.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Freedom Northwest offer compared to banks?
Credit unions like Freedom Northwest are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Freedom Northwest directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.