Freedom Northwest

KAMIAH, ID · 2 · Charter #65722 · www.fnwcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$645.2M
72th percentile
Members
12,915
5th percentile
Total loans
$555.5M
85th percentile
Total shares
$328.4M
38th percentile

Profitability

Return on assets
1.94%
95th percentile
Net interest margin
3.41%
45th percentile
Efficiency ratio
22.77%
100th percentile
Non-interest income ratio
8.50%
5th percentile

Capital & Risk

Net worth ratio
13.08%
77th percentile
Delinquency rate
0.39%
81th percentile
Net charge-off rate
0.04%
96th percentile
Loan-to-share
169.18%
100th percentile

Growth

Member growth YoY
-0.25%
40th percentile
Asset growth YoY
9.63%
84th percentile
Loan growth YoY
13.03%
90th percentile
Share growth YoY
15.32%
97th percentile

Operations

Members / branch
6,458
78th percentile
Assets / member
$49,955
100th percentile
Field of membership penetration
51.66%
95th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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