Federal credit union · NAMPA, Idaho · NCUA charter #97073
Northwest Christian
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $104.2M
- Total assets
- 5,131
- Members
- 8.3%
- Net-worth ratio
Northwest Christian scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $104.2M; members 5,131; net-worth ratio 8.28%; health rank #3,840 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,840 of 4,374 health · 2025Q4Northwest Christian · health 66/100 · $104.2M · 2025Q4
- CAMELS 66/100
- HEALTH 8.3%
- NW 0.93%
- DELQ -0.43%
- ROA $104.2M
- ASSETS 5,131
- MEM #3,840/4,374
- RANK HAWAII
- PHOTO 97073
Call Report peers
Northwest Christian in the assets neighbourhood
Northwest Christian's $104.2M assets sit next to HAWAII ($104.1M) 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 Christian 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
66 12th percentile higher than 12% 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 Christian - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #97073. See our deposit-insurance coverage note.
Northwest Christian: Call Report deltas vs peers
- Loan-to-Share Ratio trails the peer set - 55.15% here, 72.20% peer average (-17.05 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Northwest Christian sits in Idaho
- Health composite ranks #25 of 26 among scored Idaho credit unions.
- Assets rank #17 of 26 inside Idaho ($104.2M reported).
- Membership ranks #20 of 26 among Idaho CUs with a reported count (5,131 members).
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Northwest Christian Call Report trajectory
Northwest Christian: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $104.2M (2025Q4) to $104.6M (2026Q1).
- Net-worth ratio shifted -0.03 pp (8.31% → 8.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 25.7 pts
- Delinquency Rate 20.7 pts
- Return on Assets 0.6 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 11.5 pts
Northwest Christian health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.28% | -3.83 pp |
| Delinquency Rate | 0.93% | +0.04 pp |
| Return on Assets | -0.43% | -1.05 pp |
| Member Growth | -0.85% | - |
| Loan-to-Share Ratio | 55.15% | -17.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Northwest Christian
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $104.6M | - |
| 2025Q4 | $104.2M | 5,131 |
| 2024Q4 | $103.4M | 5,175 |
| 2023Q4 | $99.2M | 5,227 |
Credit Union Details
- Charter Number
- 97073
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Idaho
- City
- NAMPA
- Data Quarter
- 2025Q4
Branch Locations (2)
Northwest Christian operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN BRANCH (Main Office) | NAMPA, ID |
| Fairview Branch | Meridian, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
More federally-insured credit unions based in Idaho, ordered by peer group match and asset size.
Cross-state Call Report peers for Northwest Christian
Northwest Christian's nationwide photo peers by assets and by health score, excluding Idaho charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($104.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- Northwest Christian ranks #3,840 of 4,374 nationally on financial health and #25 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LATAH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LATAH
- Rates and health both vary by institution, not just by state -- see how Idaho credit unions compare overall before assuming this one is typical. Idaho 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 Christian financially healthy?
Northwest Christian scores 66/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,840 of 4,374; by total assets it ranks #1,791 of 4,374 nationally (same basis as /rankings/largest); and #17 of 26 within Idaho. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.28% net worth ratio and a 0.93% delinquency rate.
How does Northwest Christian compare to other credit unions?
Northwest Christian scores 66/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Northwest Christian?
Membership eligibility for Northwest Christian depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northwest Christian directly for current membership requirements and application steps.
Is my money safe at Northwest Christian?
Federal credit unions like Northwest Christian 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 Christian's net worth ratio of 8.28% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northwest Christian offer compared to banks?
Credit unions like Northwest Christian 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 Christian 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.