Federal credit union · TRAVERSE CITY, Michigan · NCUA charter #8077
Northwest Consumers
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $25.6M
- Total assets
- 2,323
- Members
- 18.5%
- Net-worth ratio
Northwest Consumers scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.6M; members 2,323; net-worth ratio 18.53%; health rank #2,385 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,385 of 4,374 health · 2025Q4Northwest Consumers · health 82/100 · $25.6M · 2025Q4
Call Report peers
Northwest Consumers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Northwest Consumers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northwest Consumers sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Northwest Consumers vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 66.26% here, 59.80% peer average (+6.46 pp).
Northwest Consumers in Michigan
- Michigan health ordinal: #121 of 171.
- By total assets, Northwest Consumers is #155 of 171 in Michigan.
- Michigan membership ordinal: #151 of 171.
- One place up in Michigan, Rock Community (#120) scores 83/100, 1 point higher; one place down, Gogebic County (#122) ties at 82/100.
How Northwest Consumers's 5300 filing moved
Northwest Consumers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $25.6M (2025Q4) to $25.9M (2026Q1).
- Net-worth ratio shifted +0.06 pp (18.47% → 18.53%).
18.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Northwest Consumers gives up 18 points in total. Member Growth costs the most, 11.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.1 pts
- Return on Assets 15.0 pts
- Member Growth 3.7 pts
- Loan-to-Share Ratio 14.2 pts
Call Report ratios for Northwest Consumers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.53% | +3.67 pp |
| Delinquency Rate | 1.12% | -0.02 pp |
| Return on Assets | 1.79% | +1.08 pp |
| Member Growth | -2.97% | - |
| Loan-to-Share Ratio | 66.26% | +6.46 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Northwest Consumers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.9M | - |
| 2025Q4 | $25.6M | 2,323 |
| 2024Q4 | $27.4M | 2,394 |
| 2023Q4 | $28.3M | 2,752 |
Credit Union Details
- Charter Number
- 8077
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- TRAVERSE CITY
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Northwest Consumers, spread across 2 cities.
| Office | City |
|---|---|
| Northwest Consumers Federal Credit Union (Main Office) | Traverse City, MI |
| CU*Answers | Grand Rapids, MI |
| CO OP Network | Traverse City, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Northwest Consumers ranks #2,385 of 4,374 nationally on financial health and #121 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Montcalm Public Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Montcalm Public Employees
Frequently Asked Questions
Is Northwest Consumers financially healthy?
On its 2025Q4 NCUA 5300 filing, Northwest Consumers scores 82/100 (Excellent), with a 18.53% net worth ratio and 1.12% of loans delinquent. It ranks #2,385 of 4,374 nationally on health and #121 of 171 in Michigan.
How does Northwest Consumers compare to other credit unions?
Northwest Consumers scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (66.26% vs 59.80%).
How can I join Northwest Consumers?
Northwest Consumers 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 Consumers directly for the exact boundaries and application steps.
Is my money safe at Northwest Consumers?
Northwest Consumers 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 Consumers's net worth ratio of 18.53% 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.