Federal credit union · Bryan, Ohio · NCUA charter #6949
NORTHWESTERN
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $16.3M
- Total assets
- 1,816
- Members
- 8.6%
- Net-worth ratio
NORTHWESTERN scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.3M; members 1,816; net-worth ratio 8.61%; health rank #1,731 of 4,374; healthier than 60th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,731 of 4,374 health · 2025Q4NORTHWESTERN · health 87/100 · $16.3M · 2025Q4
- ASSETS 87/100
- MEM 8.6%
- RANK 0.39%
- PHOTO 0.46%
- BOOK $16.3M
- CHARTER 1,816
- NCUSIF #1,731/4,374
- CAMELS K C K Firemen & Police
- HEALTH 6949
Call Report peers
NORTHWESTERN in the assets neighbourhood
NORTHWESTERN's $16.3M assets sit next to K C K Firemen & Police ($16.4M) 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.
NORTHWESTERN 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
87 Top 40% higher than 60% 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
NORTHWESTERN - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6949. See our deposit-insurance coverage note.
Where NORTHWESTERN diverges from peer averages
- Largest favorable gap: Delinquency Rate at 0.39% vs peer 1.15% (-0.75 pp).
- Loan-to-Share Ratio trails the peer set - 37.55% here, 59.80% peer average (-22.25 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where NORTHWESTERN sits in Ohio
- Ohio health ordinal: #76 of 196.
- Ohio assets place: #152 of 196.
- Member book place in Ohio: #151 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How NORTHWESTERN's 5300 filing moved
NORTHWESTERN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $16.3M (2025Q4) to $16.8M (2026Q1).
- Net-worth ratio shifted -0.19 pp (8.80% → 8.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.4 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 9.1 pts
Call Report ratios for NORTHWESTERN
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.61% | -6.25 pp |
| Delinquency Rate | 0.39% | -0.75 pp |
| Return on Assets | 0.46% | -0.24 pp |
| Member Growth | 2.54% | - |
| Loan-to-Share Ratio | 37.55% | -22.25 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.8M | - |
| 2025Q4 | $16.3M | 1,816 |
| 2024Q4 | $16.2M | 1,771 |
| 2023Q4 | $14.8M | 1,731 |
Credit Union Details
- Charter Number
- 6949
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Bryan
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, NORTHWESTERN runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Northwestern Federal CU (Main Office) | Bryan, OH |
| CompuSource | Amherst, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
NORTHWESTERN nationwide neighbourhoods
Cross-state asset and health neighbours for NORTHWESTERN - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- NORTHWESTERN ranks #1,731 of 4,374 nationally on financial health and #76 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Minerva Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Minerva Area
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 NORTHWESTERN financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - NORTHWESTERN's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,731 of 4,374; by total assets it ranks #3,277 of 4,374 nationally (same basis as /rankings/largest); and #152 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.61% net worth ratio and 0.39% delinquency rate are the key drivers.
How does NORTHWESTERN compare to other credit unions?
On PlainCU's health composite, NORTHWESTERN lands at 87/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 NORTHWESTERN?
NORTHWESTERN 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 NORTHWESTERN directly for the exact boundaries and application steps.
Is my money safe at NORTHWESTERN?
Federal credit unions like NORTHWESTERN 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. NORTHWESTERN's net worth ratio of 8.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NORTHWESTERN offer compared to banks?
Credit unions like NORTHWESTERN 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 NORTHWESTERN 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.