State credit union · COUNCIL BLUFFS, Iowa · NCUA charter #64282
North Western Employees
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $10.1M
- Total assets
- 1,193
- Members
- 21.1%
- Net-worth ratio
North Western Employees scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.1M; members 1,193; net-worth ratio 21.10%; health rank #717 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#717 of 4,374 health · 2025Q4North Western Employees · health 92/100 · $10.1M · 2025Q4
- ASSETS 92/100
- MEM 21.1%
- RANK 0.00%
- PHOTO 1.13%
- BOOK $10.1M
- CHARTER 1,193
- NCUSIF #717/4,374
- CAMELS Emerald Credit Association
- HEALTH 64282
Call Report peers
North Western Employees in the assets neighbourhood
North Western Employees's $10.1M assets sit next to Emerald Credit Association ($10.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
North Western Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
North Western Employees - Share Insurance Coverage
Charter #64282's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where North Western Employees diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +6.24 pp (21.10% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Iowa standing for North Western Employees
- Health composite ranks #13 of 66 among scored Iowa credit unions.
- Assets rank #51 of 66 inside Iowa ($10.1M reported).
- Iowa membership ordinal: #51 of 66.
In-state ordinals use the live credit_unions table for IA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How North Western Employees's 5300 filing moved
North Western Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $10.1M (2025Q4) to $10.3M (2026Q1).
- Net-worth ratio shifted -0.28 pp (21.38% → 21.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
21.10% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 13.3 pts
Call Report ratios for North Western Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.10% | +6.24 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 1.13% | +0.42 pp |
| Member Growth | -0.17% | - |
| Loan-to-Share Ratio | 60.43% | +0.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
North Western Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.3M | - |
| 2025Q4 | $10.1M | 1,193 |
| 2024Q4 | $10.4M | 1,195 |
| 2023Q4 | $9.8M | 1,230 |
Credit Union Details
- Charter Number
- 64282
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Iowa
- City
- COUNCIL BLUFFS
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for North Western Employees.
| Office | City |
|---|---|
| North Western Employees CU Main Office (Main Office) | Council Bluffs, IA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Iowa
A look at other Iowa credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for North Western Employees
North Western Employees's nationwide photo peers by assets and by health score, excluding Iowa charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- North Western Employees ranks #717 of 4,374 nationally on financial health and #13 of 66 in IA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Quaker Oats is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Quaker Oats
- Rates and health both vary by institution, not just by state -- see how Iowa credit unions compare overall before assuming this one is typical. Iowa state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is North Western Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, North Western Employees carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #717 of 4,374; by total assets it ranks #3,562 of 4,374 nationally (same basis as /rankings/largest); and #51 of 66 within Iowa. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 21.10% net worth ratio and a 0.00% delinquency rate.
How does North Western Employees compare to other credit unions?
92/100 is North Western Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 North Western Employees?
Membership eligibility for North Western Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact North Western Employees directly for current membership requirements and application steps.
Is my money safe at North Western Employees?
Federal credit unions like North Western Employees 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. North Western Employees's net worth ratio of 21.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does North Western Employees offer compared to banks?
Credit unions like North Western Employees 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 North Western Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.