Federal credit union · Portland, Oregon · NCUA charter #14786
Northwest Adventist
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $37.1M
- Total assets
- 3,163
- Members
- 13.5%
- Net-worth ratio
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.
Northwest Adventist - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)83
- Earnings (ROA)100
- Member growth66
- Liquidity (loan-to-share)100
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.49% | 30% |
| Delinquency Rate | 0.93% | 25% |
| Return on Assets | 1.44% | 15% |
| Member Growth | 0.70% | 15% |
| Loan-to-Share Ratio | 81.32% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Northwest Adventist
Charter #14786, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Northwest Adventist, a federal credit union in Portland, Oregon with 3,163 members, $37.1M in total assets, and $25.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 91/100 (Excellent), helped by a net worth ratio of 13.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.93% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 81.32% 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 1.44% on net income of $535K 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 0.70%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community/Select Employee Group) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.49% 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 13.49% 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.
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.