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.
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NCUA 5300 Call Report Masthead
#2,174 of 4,374 health · 2025Q4Northwest Hills · health 84/100 · $53.3M · 2025Q4
Call Report peers
Northwest Hills in the assets neighbourhood
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Northwest Hills vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northwest Hills sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Connecticut, TRUMBULL (#26) ties at 84/100; one place down, Mutual Security (#28) ties at 84/100.
Quarter path for Northwest Hills
Northwest Hills: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $53.3M (2025Q4) to $54.8M (2026Q1).
- Net-worth ratio shifted +0.06 pp (9.23% → 9.29%).
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
Northwest Hills gives up 16 points in total. Member Growth costs the most, 10.6 of its 15; Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Northwest Hills financially healthy?
Northwest Hills has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,174 of 4,374 nationally on health and #27 of 64 in Connecticut. Its net worth ratio is 9.29% and its delinquency rate 0.21%.
How does Northwest Hills compare to other credit unions?
Northwest Hills scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.21% vs 0.96%). Its widest shortfall is loan-to-share ratio (52.29% vs 62.60%).
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?
Northwest Hills is a state-chartered 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 Hills's net worth ratio of 9.29% 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.