Federal credit union · MORTON GROVE, Illinois · NCUA charter #97108
Northwest Community
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $65.3M
- Total assets
- 2,403
- Members
- 9.6%
- Net-worth ratio
Northwest Community scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $65.3M; members 2,403; net-worth ratio 9.62%; health rank #3,775 of 4,374; healthier than 13th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,775 of 4,374 health · 2025Q4Northwest Community · health 67/100 · $65.3M · 2025Q4
- PHOTO 67/100
- BOOK 9.6%
- CHARTER 0.92%
- NCUSIF -0.23%
- CAMELS $65.3M
- HEALTH 2,403
- NW #3,775/4,374
- DELQ ESCONDIDO
- ROA 97108
Call Report peers
Northwest Community in the assets neighbourhood
Northwest Community's $65.3M assets sit next to ESCONDIDO ($65.4M) 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 Community 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
67 13th percentile higher than 13% 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 Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #97108, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Northwest Community diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +17.95 pp (80.55% vs 62.60%).
- Largest lag: Net Worth Ratio at 9.62% vs peer 13.62% (-4.00 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Northwest Community sits in Illinois
- In Illinois, health place is #168 of 192 on the same NCUA-ratio sort used nationally.
- Assets rank #66 of 192 inside Illinois ($65.3M reported).
- Member book place in Illinois: #91 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Northwest Community Call Report trajectory
Northwest Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $65.3M (2025Q4) to $65.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (9.78% → 9.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 67/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- Net Worth Ratio 29.1 pts
- Delinquency Rate 20.8 pts
- Return on Assets 2.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Northwest Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.62% | -4.00 pp |
| Delinquency Rate | 0.92% | -0.04 pp |
| Return on Assets | -0.23% | -0.89 pp |
| Member Growth | -6.82% | - |
| Loan-to-Share Ratio | 80.55% | +17.95 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Northwest Community filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.4M | - |
| 2025Q4 | $65.3M | 2,403 |
| 2024Q4 | $65.9M | 2,579 |
| 2023Q4 | $67.2M | 2,689 |
Credit Union Details
- Charter Number
- 97108
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- MORTON GROVE
- Data Quarter
- 2025Q4
Branch Locations (4)
Northwest Community operates 4 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Northwest Community Credit Union (Main Office) | Morton Grove, IL |
| SXU Branch | Chicago, IL |
| Fiserv Portico | Frisco, TX |
| CO-OP Shared Branch | Morton Grove, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Other-state peers near Northwest Community
Cross-state asset and health neighbours for Northwest Community - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($65.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
Using this data
- Northwest Community ranks #3,775 of 4,374 nationally on financial health and #168 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Moline Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Moline Municipal
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 Community financially healthy?
Northwest Community has a financial health score of 67/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,775 of 4,374; by total assets it ranks #2,189 of 4,374 nationally (same basis as /rankings/largest); and #66 of 192 within Illinois. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.62% and delinquency rate of 0.92%.
How does Northwest Community compare to other credit unions?
Northwest Community scores 67/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Community?
Membership eligibility for Northwest Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northwest Community directly for current membership requirements and application steps.
Is my money safe at Northwest Community?
Federal credit unions like Northwest Community 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 Community's net worth ratio of 9.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northwest Community offer compared to banks?
Credit unions like Northwest Community 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 Community 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.