Northwest Consumers

TRAVERSE CITY, MI · 1 · Charter #8077 · www.nwconsumers.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$25.6M
71th percentile
Members
2,323
73th percentile
Total loans
$13.2M
74th percentile
Total shares
$19.8M
68th percentile

Profitability

Return on assets
1.78%
86th percentile
Net interest margin
4.69%
75th percentile
Efficiency ratio
67.18%
49th percentile
Non-interest income ratio
21.76%
85th percentile

Capital & Risk

Net worth ratio
18.47%
68th percentile
Delinquency rate
1.12%
38th percentile
Net charge-off rate
0.51%
32th percentile
Loan-to-share
66.26%
58th percentile

Growth

Member growth YoY
-2.97%
33th percentile
Asset growth YoY
-6.73%
11th percentile
Loan growth YoY
-7.84%
31th percentile
Share growth YoY
-8.79%
10th percentile

Operations

Members / branch
2,323
84th percentile
Assets / member
$11,015
65th percentile
Field of membership penetration
25.81%
39th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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