PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northwest

Herndon, VA · Charter 5500

NCUA · 13 branches

Q2 2026

$4.6BAssets
$3.1BLoans
$3.5BShares
$540.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.37%, up 12 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.39% of loans (-6 bps YoY).
  • Capital: net worth / assets of 11.84%, down 63 bps from a year ago.
  • Funding: loans stand at 87.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.37%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+24 bps YoY

Efficiency Ratio (YTD, annualized)

85.34%-357 bps YoY

Net Worth / Assets

11.84%-63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.24%0.27%0.32%0.41%0.37%+12 bps
Return on Equity1.94%2.29%2.78%3.49%3.09%+115 bps
Net Interest Margin2.77%2.71%2.70%2.99%3.01%+24 bps
Efficiency Ratio88.91%88.15%86.46%84.17%85.34%-357 bps
Growth
Asset Growth (YoY)-7.00%-7.65%11.98%9.49%7.70%+1,470 bps
Loan Growth (YoY)1.71%2.61%2.08%3.98%7.51%+581 bps
Share Growth (YoY)3.52%4.26%3.93%2.13%0.64%-289 bps
Asset Quality
Delinquent Loans / Loans0.45%0.41%0.44%0.37%0.39%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.47%11.99%11.69%11.81%11.84%-63 bps
Net Worth / Assets12.47%11.99%11.69%11.81%11.84%-63 bps
Liquidity & Funding
Loans / Shares81.83%81.26%82.26%82.86%87.42%+559 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps