Freedom Northwest
Kamiah, ID · Charter 65722 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$693.1MAssets
$590.0MLoans
$509.8MShares
$92.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 99% of credit unions under $1B in assets (rank 15 of 1681).
- Widest gap: net interest margin trails 69% of credit unions under $1B in assets (rank 1166 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
2.46%
Rank 30 of 1,683
Net Interest Margin
3.44%
Rank 1,166 of 1,683
Efficiency Ratio
39.51%
Rank 17 of 1,682
Equity / Assets
13.40%
Rank 760 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.46% | 0.35% | 0.74% | 1.18% | Beats 98% | 30 / 1,683 | |
| Return on Equity | 18.32% | 2.67% | 5.89% | 8.74% | Beats 99% | 15 / 1,681 | |
| Net Interest Margin | 3.44% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,166 / 1,683 | |
| Efficiency Ratio | 39.51% | 68.91% | 78.20% | 86.93% | Beats 99% | 17 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.26% | 0.65% | 1.29% | Beats 52% | 801 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.40% | 10.44% | 12.89% | 16.53% | Beats 55% | 760 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.40% | 10.44% | 12.89% | 16.53% | Beats 55% | 760 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 115.74% | 52.61% | 69.38% | 83.50% | 100th pctl | 8 / 1,683 | |
| Loans / Assets | 85.14% | 44.71% | 59.18% | 70.72% | 98th pctl | 40 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |