Northwest Consumers
Traverse City, MI · Charter 8077 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$25.1MAssets
$12.0MLoans
$19.8MShares
$4.9MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of credit unions under $1B in assets (rank 245 of 1683).
- Widest gap: nonperforming loans / loans trails 85% of credit unions under $1B in assets (rank 1425 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.20%
Rank 406 of 1,683
Net Interest Margin
4.43%
Rank 364 of 1,683
Efficiency Ratio
79.16%
Rank 892 of 1,682
Equity / Assets
19.47%
Rank 245 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.35% | 0.74% | 1.18% | Beats 76% | 406 / 1,683 | | |
| Return on Equity | 6.15% | 2.67% | 5.89% | 8.74% | Beats 53% | 793 / 1,681 | | |
| Net Interest Margin | 4.43% | 3.31% | 3.82% | 4.32% | Beats 78% | 364 / 1,683 | | |
| Efficiency Ratio | 79.16% | 68.91% | 78.20% | 86.93% | Beats 47% | 892 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.87% | 0.26% | 0.65% | 1.29% | Beats 15% | 1,425 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.47% | 10.44% | 12.89% | 16.53% | Beats 85% | 245 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.47% | 10.44% | 12.89% | 16.53% | Beats 85% | 245 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.37% | 52.61% | 69.38% | 83.50% | 35th pctl | 1,091 / 1,683 | | |
| Loans / Assets | 47.70% | 44.71% | 59.18% | 70.72% | 30th pctl | 1,179 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |