Federal credit union · NORTON, Kansas · NCUA charter #6214
United Northwest
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $55.4M
- Total assets
- 2,411
- Members
- 15.3%
- Net-worth ratio
United Northwest scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $55.4M; members 2,411; net-worth ratio 15.29%; health rank #2,080 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,080 of 4,374 health · 2025Q4United Northwest · health 84/100 · $55.4M · 2025Q4
Call Report peers
United Northwest in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
United Northwest vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); United Northwest 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
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
Where United Northwest diverges from peer averages
- Net Worth Ratio leads the peer set - 15.29% here, 13.62% peer average (+1.67 pp).
- Largest lag: Loan-to-Share Ratio at 45.19% vs peer 62.60% (-17.41 pp).
Where United Northwest sits in Kansas
- Health composite ranks #26 of 61 among scored Kansas credit unions.
- Assets rank #25 of 61 inside Kansas ($55.4M reported).
- Membership ranks #33 of 61 among Kansas CUs with a reported count (2,411 members).
- One place up in Kansas, RELIANCE (#25) ties at 84/100; one place down, Ark Valley (#27) scores 83/100, 1 point lower.
How United Northwest's 5300 filing moved
United Northwest: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $55.4M (2025Q4) to $55.7M (2026Q1).
- Net-worth ratio shifted +0.05 pp (15.24% → 15.29%).
15.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
United Northwest gives up 16 points in total. Member Growth costs the most, 10.4 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.1 pts
- Member Growth 4.6 pts
- Loan-to-Share Ratio 10.3 pts
United Northwest vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.29% | +1.67 pp |
| Delinquency Rate | 0.14% | -0.82 pp |
| Return on Assets | 0.44% | -0.22 pp |
| Member Growth | -2.43% | - |
| Loan-to-Share Ratio | 45.19% | -17.41 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.7M | - |
| 2025Q4 | $55.4M | 2,411 |
| 2024Q4 | $54.0M | 2,471 |
| 2023Q4 | $57.3M | 2,474 |
Credit Union Details
- Charter Number
- 6214
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Kansas
- City
- NORTON
- Data Quarter
- 2025Q4
Branch Locations (2)
United Northwest operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN (Main Office) | NORTON, KS |
| BRANCH | OBERLIN, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- United Northwest ranks #2,080 of 4,374 nationally on financial health and #26 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ark Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ark Valley
Frequently Asked Questions
Is United Northwest financially healthy?
United Northwest has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,080 of 4,374 nationally on health and #26 of 61 in Kansas. Its net worth ratio is 15.29% and its delinquency rate 0.14%.
How does United Northwest compare to other credit unions?
United Northwest 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 net worth ratio (15.29% vs 13.62%). Its widest shortfall is loan-to-share ratio (45.19% vs 62.60%).
How can I join United Northwest?
United Northwest 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 United Northwest directly for the exact boundaries and application steps.
Is my money safe at United Northwest?
United Northwest 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. United Northwest's net worth ratio of 15.29% 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.