Federal credit union · TIGARD, Oregon · NCUA charter #3853
Nw Preferred
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $183.3M
- Total assets
- 8,134
- Members
- 13.4%
- Net-worth ratio
Nw Preferred - Share Insurance Coverage
Charter #3853's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Nw Preferred - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)91
- Earnings (ROA)100
- Member growth25
- Liquidity (loan-to-share)85
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.42% | 30% |
| Delinquency Rate | 0.73% | 25% |
| Return on Assets | 0.54% | 15% |
| Member Growth | -2.94% | 15% |
| Loan-to-Share Ratio | 95.04% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $183.3M | 8,134 |
| 2024Q4 | $174.8M | 8,380 |
| 2023Q4 | $169.5M | 8,724 |
Credit Union Details
- Charter Number
- 3853
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Oregon
- City
- TIGARD
- Data Quarter
- 2025Q4
What This Data Says About Nw Preferred
Nw Preferred is a federal credit union headquartered in TIGARD, Oregon, serving 8,134 members with $183.3M in total assets and $147.2M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 84/100 (Excellent), anchored by a net worth ratio of 13.42% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #3853 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
On loan book quality: 0.73% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 95.04% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.54% on net income of $991K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.94%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Oregon
Other federally-insured credit unions in Oregon, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Nw Preferred financially healthy?
Nw Preferred has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.42% and delinquency rate of 0.73%.
How does Nw Preferred compare to other credit unions?
On PlainCU's health composite, Nw Preferred lands at 84/100, compared to a peer group average for $100M–$500M 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 Nw Preferred?
Nw Preferred 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 Nw Preferred directly for the exact boundaries and application steps.
Is my money safe at Nw Preferred?
Federal credit unions like Nw Preferred 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. Nw Preferred's net worth ratio of 13.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Nw Preferred offer compared to banks?
Credit unions like Nw Preferred 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 Nw Preferred directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.