Federal credit union · Portland, Oregon · NCUA charter #14786
Northwest Adventist
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $37.1M
- Total assets
- 3,163
- Members
- 14.6%
- Net-worth ratio
Northwest Adventist scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.1M; members 3,163; net-worth ratio 14.65%; health rank #908 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#908 of 4,374 health · 2025Q4Northwest Adventist · health 91/100 · $37.1M · 2025Q4
- BOOK 91/100
- CHARTER 14.6%
- NCUSIF 0.93%
- CAMELS 1.44%
- HEALTH $37.1M
- NW 3,163
- DELQ #908/4,374
- ROA HOPESOUTH
- ASSETS 14786
Call Report peers
Northwest Adventist in the assets neighbourhood
Northwest Adventist's $37.1M assets sit next to HOPESOUTH ($37.1M) 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.
Northwest Adventist 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
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
Northwest Adventist - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #14786 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Northwest Adventist diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 81.32% here, 59.80% peer average (+21.52 pp).
- Net Worth Ratio trails the peer set - 14.65% here, 14.86% peer average (-0.21 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Northwest Adventist: in-state Call Report ranks
- Oregon health ordinal: #14 of 48.
- Oregon assets place: #40 of 48.
- Member book place in Oregon: #38 of 48.
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Northwest Adventist
Northwest Adventist: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -6.6% from $37.1M (2025Q4) to $34.7M (2026Q1).
- Net-worth ratio shifted +1.16 pp (13.49% → 14.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.65%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.7 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.5 pts
Call Report ratios for Northwest Adventist
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.65% | -0.21 pp |
| Delinquency Rate | 0.93% | -0.21 pp |
| Return on Assets | 1.44% | +0.74 pp |
| Member Growth | 0.70% | - |
| Loan-to-Share Ratio | 81.32% | +21.52 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $34.7M | - |
| 2025Q4 | $37.1M | 3,163 |
| 2024Q4 | $37.2M | 3,141 |
| 2023Q4 | $34.1M | 3,150 |
Credit Union Details
- Charter Number
- 14786
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- $10M–$50M
- State
- Oregon
- City
- Portland
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Northwest Adventist runs one office.
| Office | City |
|---|---|
| NW Adventist FCU (Main Office) | Portland, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
A look at other Oregon credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Northwest Adventist, both outside Oregon so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Northwest Adventist ranks #908 of 4,374 nationally on financial health and #14 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Eweb Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Eweb Employees
- Rates and health both vary by institution, not just by state -- see how Oregon credit unions compare overall before assuming this one is typical. Oregon 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 Northwest Adventist financially healthy?
Northwest Adventist has a financial health score of 91/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #908 of 4,374; by total assets it ranks #2,675 of 4,374 nationally (same basis as /rankings/largest); and #40 of 48 within Oregon. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.65% and delinquency rate of 0.93%.
How does Northwest Adventist compare to other credit unions?
91/100 is Northwest Adventist'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 Northwest Adventist?
Northwest Adventist operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Northwest Adventist directly for the exact boundaries and application steps.
Is my money safe at Northwest Adventist?
Federal credit unions like Northwest Adventist 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. Northwest Adventist's net worth ratio of 14.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northwest Adventist offer compared to banks?
Credit unions like Northwest Adventist 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 Northwest Adventist 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.