State credit union · Torrington, Connecticut · NCUA charter #65803
Northwest Hills
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $53.3M
- Total assets
- 3,701
- Members
- 9.3%
- Net-worth ratio
Northwest Hills scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $53.3M; members 3,701; net-worth ratio 9.29%; health rank #2,174 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,174 of 4,374 health · 2025Q4Northwest Hills · health 84/100 · $53.3M · 2025Q4
- RANK 84/100
- PHOTO 9.3%
- BOOK 0.21%
- CHARTER 1.01%
- NCUSIF $53.3M
- CAMELS 3,701
- HEALTH #2,174/4,374
- NW Total Choice
- DELQ 65803
Call Report peers
Northwest Hills in the assets neighbourhood
Northwest Hills's $53.3M assets sit next to Total Choice ($53.3M) 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 Hills 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
84 Top 50% higher than 50% 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 Hills - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65803, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Northwest Hills: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.75 pp (0.21% vs 0.96%).
- Largest lag: Loan-to-Share Ratio at 52.29% vs peer 62.60% (-10.31 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 Hills sits in Connecticut
- In Connecticut, health place is #27 of 64 on the same NCUA-ratio sort used nationally.
- Assets rank #31 of 64 inside Connecticut ($53.3M reported).
- Membership ranks #30 of 64 among Connecticut CUs with a reported count (3,701 members).
In-state ordinals use the live credit_unions table for CT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Northwest Hills
Northwest Hills: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $53.3M (2025Q4) to $54.8M (2026Q1).
- Net-worth ratio shifted +0.06 pp (9.23% → 9.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 28.2 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 11.4 pts
Northwest Hills health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.29% | -4.33 pp |
| Delinquency Rate | 0.21% | -0.75 pp |
| Return on Assets | 1.01% | +0.35 pp |
| Member Growth | -2.58% | - |
| Loan-to-Share Ratio | 52.29% | -10.31 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).
Call Report history - Northwest Hills
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.8M | - |
| 2025Q4 | $53.3M | 3,701 |
| 2024Q4 | $44.3M | 3,799 |
| 2023Q4 | $39.4M | 3,796 |
Credit Union Details
- Charter Number
- 65803
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Connecticut
- City
- Torrington
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Northwest Hills runs 2 offices.
| Office | City |
|---|---|
| 339 No Elm St (Main Office) | Torrington, CT |
| Chamber of Commerce | Torrington, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
A look at other Connecticut credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Northwest Hills
Cross-state asset and health neighbours for Northwest Hills - kept outside Connecticut; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($53.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Northwest Hills ranks #2,174 of 4,374 nationally on financial health and #27 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pitney Bowes Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pitney Bowes Employees
- Rates and health both vary by institution, not just by state -- see how Connecticut credit unions compare overall before assuming this one is typical. Connecticut 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 Hills financially healthy?
A 9.29% net worth ratio and a 0.21% delinquency rate feed into Northwest Hills's financial health score of 84/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,174 of 4,374; by total assets it ranks #2,355 of 4,374 nationally (same basis as /rankings/largest); and #31 of 64 within Connecticut. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Northwest Hills compare to other credit unions?
Five weighted metrics from NCUA filings produce Northwest Hills's 84/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Hills?
Membership eligibility for Northwest Hills depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Northwest Hills directly for current membership requirements and application steps.
Is my money safe at Northwest Hills?
Federal credit unions like Northwest Hills 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 Hills's net worth ratio of 9.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northwest Hills offer compared to banks?
Credit unions like Northwest Hills 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 Hills 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.