Federal credit union · Herndon, Virginia · NCUA charter #5500
NORTHWEST
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $4.55B
- Total assets
- 273,943
- Members
- 11.8%
- Net-worth ratio
NORTHWEST scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.55B; members 273,943; net-worth ratio 11.81%; health rank #944 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
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NORTHWEST vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NORTHWEST sits in 90-94 with 747 others.
91 Top 23% higher than 77% 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
Where NORTHWEST diverges from peer averages
- Net Worth Ratio leads the peer set - 11.81% here, 11.18% peer average (+0.63 pp).
- Largest lag: Loan-to-Share Ratio at 82.26% vs peer 83.90% (-1.64 pp).
NORTHWEST in Virginia
- Virginia health ordinal: #13 of 95.
- Assets rank #6 of 95 inside Virginia ($4.55B reported).
- Virginia membership ordinal: #5 of 95.
- One place up in Virginia, Pfd Firefighters Credit Union Inc. (#12) ties at 91/100; one place down, Healthcare Systems (#14) ties at 91/100.
Quarter path for NORTHWEST
NORTHWEST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.2% from $4.55B (2025Q4) to $4.55B (2026Q1).
- Net-worth ratio shifted +0.12 pp (11.69% → 11.81%).
This credit union's 11.81% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
NORTHWEST gives up 9 points in total. Member Growth costs the most, 9.1 of its 15; Return on Assets and Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 15.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.81% | +0.63 pp |
| Delinquency Rate | 0.44% | -0.44 pp |
| Return on Assets | 0.50% | -0.01 pp |
| Member Growth | -1.73% | - |
| Loan-to-Share Ratio | 82.26% | -1.64 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
NORTHWEST quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.55B | - |
| 2025Q4 | $4.55B | 273,943 |
| 2024Q4 | $4.07B | 278,753 |
| 2023Q4 | $4.56B | 285,245 |
Credit Union Details
- Charter Number
- 5500
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Over $500M
- State
- Virginia
- City
- Herndon
- Data Quarter
- 2025Q4
Branch Locations (14)
The NCUA branch filing lists 14 physical offices for NORTHWEST, spread across 11 cities in 2 states.
| Office | City |
|---|---|
| Herndon Office (Main Office) | Herndon, VA |
| Ballston Branch | Arlington, VA |
| One Loudoun Branch | Ashburn, VA |
| Chantilly Branch | Chantilly, VA |
| Gainesville Branch | Gainesville, VA |
| Shared Branching | Herndon, VA |
| Headquarters | Herndon, VA |
| Back up IT site | Herndon, VA |
| Leesburg Branch | Leesburg, VA |
| Manassas Branch | Manassas, VA |
| McLean Branch | McLean, VA |
| Middleburg Branch | Middleburg, VA |
| Rockville Branch | Rockville, MD |
| Vienna Branch | Vienna, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Cross-state Call Report peers for NORTHWEST
Similar total assets
Similar health score
Using this data
- NORTHWEST ranks #944 of 4,374 nationally on financial health and #13 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- APPLE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with APPLE
Frequently Asked Questions
Is NORTHWEST financially healthy?
On its 2025Q4 NCUA 5300 filing, NORTHWEST scores 91/100 (Excellent), with a 11.81% net worth ratio and 0.44% of loans delinquent. It ranks #944 of 4,374 nationally on health and #13 of 95 in Virginia.
How does NORTHWEST compare to other credit unions?
NORTHWEST scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (11.81% vs 11.18%). Its widest shortfall is loan-to-share ratio (82.26% vs 83.90%).
How can I join NORTHWEST?
NORTHWEST serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact NORTHWEST directly for the current list of qualifying groups.
Is my money safe at NORTHWEST?
NORTHWEST is a federal 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. NORTHWEST's net worth ratio of 11.81% 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.