# GREAT NORTHWEST
Aberdeen, WA · NCUA charter 24606 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/great-northwest-24606

Who the members are: federal charter, community charter, organized 1955, low-income designated. 18,694 members of 250,000 potential (7.5% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $267.1M |
| Members | 18,694 (0.3% YoY) |
| Full-time staff | 66 |
| Net worth | $46.5M |
| Net worth ratio | 17.4% (p96 of band) |
| ROA (annualized) | 0.89% (p64 of band) |
| Total delinquency | 0.71% (p60 of band) |
| Net charge-offs (annualized) | 2.83% (p99 of band) |
| Loans / shares | 60% (p20 of band) |
| Cash / assets | 34.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.56% (p94 of band) |
| Operating expense / assets | 4.50% (p82 of band) |
| Vehicles % of loans | 49% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 76% |
| Third-party paper % of net worth | 105% (p58 of band) |
| Vehicle delinquency | 0.99% (p77 of band) |
| Vehicle NCO | 5.93% (p99 of band) |
| Repossessed % of vehicle book | 0.30% (p91 of band) |
| Real estate % of loans | 32% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 21% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 19% |
| Average share balance | $5,671 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $11,491 |
| Loans granted, annualized | $40.9M |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | 3rd-party paper>100% NW |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | delinquency 2x band, repo signal |  |
| 2018-03 | 4 | charge-offs p90 | repo signal |
| 2018-06 | 3 | repo signal | delinquency rising, charge-offs p90 |
| 2018-09 | 4 | delinquency rising |  |
| 2018-12 | 4 | charge-offs p90 | delinquency rising |
| 2019-03 | 4 |  |  |
| 2019-06 | 5 | net worth falling |  |
| 2019-09 | 3 |  | delinquency 2x band, net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | delinquency 2x band |  |
| 2020-06 | 3 |  | repo signal |
| 2020-09 | 2 |  | delinquency 2x band |
| 2020-12 | 4 | margin squeeze, repo signal |  |
| 2021-03 | 4 | delinquency 2x band | repo signal |
| 2021-06 | 3 |  | delinquency 2x band |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | delinquency 2x band |  |
| 2022-03 | 3 |  | margin squeeze |
| 2022-06 | 4 | delinquency rising |  |
| 2022-09 | 5 | repo signal |  |
| 2022-12 | 4 | assets shrinking | delinquency rising, repo signal |
| 2023-03 | 5 | delinquency rising, repo signal | charge-offs p90 |
| 2023-06 | 3 | charge-offs p90 | assets shrinking, delinquency rising, repo signal |
| 2023-09 | 6 | delinquency rising, repo signal, assets shrinking |  |
| 2023-12 | 4 |  | delinquency rising, assets shrinking |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 3 |  | delinquency 2x band |
| 2025-03 | 3 | delinquency 2x band | charge-offs p90 |
| 2025-06 | 5 | delinquency rising, charge-offs p90 |  |
| 2025-09 | 4 |  | delinquency rising |
| 2025-12 | 2 |  | repo signal, delinquency 2x band |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-05 [Local credit unions announce partnership merger - The Daily World](https://news.google.com/rss/articles/CBMikwFBVV95cUxQc2pOSkRoNTV5cHhzNF9ZVm42SFJpOVgxQ1Q1VU1raGdaOUozU1ZPYUlpX2lmbDRZdTltdUZ0X215cHQyd2VDV0oxM1Q3d2IzWlJ6NEtVbEVkV0w1UjZvejRXOVVOVGpPTkhySm42ODRXREQwS1dSdTdzYnlRTGpsU3drYjNkZUlHOVRzbmhfMWpRREE?oc=5) · The Daily World
- 2025-10-16 [Wilco Farm Store, Great NorthWest Federal Credit Union coming to Centralia Station - The Daily Chronicle](https://news.google.com/rss/articles/CBMivwFBVV95cUxPR3R5cGFRc3ZseldmUHgzX2R4UU0tTFpzOG1tN3N2UGstZ0taQVBLQ2VMLWtrOWlfY0k1Q3Nic3FpNWVGbkhlU3dtSFNpR3RUTm9jaWRIdHZ4VDV3QlI5TU9NdnFnYVdITUpzMnhMUjhwdWZPRl9vU0lLMV9OSldNcnVQWkx3ckFnbndIeVNJVVRMQl84b2lJVUJEdkVKSWl1REJhQUpzdUxiYUZ1eEFSUVVsdHhvbVptSVN3NlJPaw?oc=5) · The Daily Chronicle
- 2022-10-31 [Great NorthWest FCU Launches ‘Buy Local Spend Local’ Community Initiative - GraysHarborTalk](https://news.google.com/rss/articles/CBMitgFBVV95cUxPSldJLUIzak1CR09FeVJ4SmgzVmwtbHpiNGpqdzhDRHptcndLZXhwVW42UTRoZktyYVFIelNhc3ZscGh0OEx1RDMzSE5pRFlweHlTQW1XSjQ2c0dPQWw5ZXU4ZmtaTlBsVWVVVDNwakVEeEtqeEdDUEEwVy1qaGhWMFBoRnVBVlFMSWZ1WE80aVlOT3VpVGN1LU5paWVfek9ubUZUNGJaVVB2bm9xQ0t3S2VxVEZDZw?oc=5) · GraysHarborTalk
- 2017-11-01 [Find out why Great NorthWest Federal Credit Union Really is YOUR Bank - GraysHarborTalk](https://news.google.com/rss/articles/CBMiswFBVV95cUxPbFpDdmduMTNxd0V0NEU0d2lERWZWMk5LeU9QRTVQc0FqR25wbURlekU4LU9JM3JhZFNQbUU3cmZZSXg1Nm5ZS1pWdFh1WGNsU1EwcVBBNklhbzBvRzdocnRoVEJwZThYRW54S2RaZV9VR2JOSmtxaUdDVm1peklFQW42TktITUExOFpPS2ZaMjc1U2lEajRSaElrdjlDVDE0dDJMWVRRYkZ5NElacG1SUnlnbw?oc=5) · GraysHarborTalk
- 2013-06-05 [Northwest Resource Federal Credit Union changes name to Trailhead Credit Union - oregonlive.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxPLUZ3Y3dDbFVtVkMwWXlSSlBZcTRTQ0otMnBRR1RQRllzU0FoSlJJalJvT1d3ZTE2NGlSRzZMVU82T2dEelFhaGhKOG9SMUpSS1o5VXlXV3FEd0c2MVY3VFE4RmU2UzNQVnowNF8zUzhFdm9hLVB0SFYxVEdVQXRjbWFQQ1FkQQ?oc=5) · oregonlive.com
- 2021-09-23 [Angelo State turns to backup QB Garvin for showdown at Central Washington - gosanangelo.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPNWlIb1BSbkpvcjhDWTVZMjQ2VE1RNkZRcXBzNGxRZ1hjT2lWRGNId0gwN0l0SDBZTmJqSUdJbllGRmpscEw3dHdkZmg0NGctQkZzODhmdXE2cDkyR1pKSXV5UkQ5b2dKelRXQlV1bmg1ZkJRSU9BODdadFdGeXZrb1F4eDFHam0xeFpnTHRxTGRkekJmS0VHWmoxYjFiWjRQQWQxak9FRWFfeWNjVDhzUVgzOHhDWnZSOUFfRHg4TUtfa00?oc=5) · gosanangelo.com
- 2026-07-10 [PAWS hosts 3rd Annual Pup/Pub Crawl in downtown Aberdeen - The Daily World](https://news.google.com/rss/articles/CBMinwFBVV95cUxNU01CQk5qaDRKWjh5ZXJPVEVYNXJXeXdwVXcyNk00RXFlLWdtQ3pwWGtCcXVKODdqNzZNWVl4NXlNMmx6TE9rQ0EyT3RxcW1Ja2xIbGw2b09UeTNCNk1GT05BLVZPWV9WdUNRc0hyNGt2bnVuUlhDeDIzYWNPNTdoNEM1cjBqVGlMa2JTSVUxZWJOTzU4RHlQdTFWZjJ1bm8?oc=5) · The Daily World
- 2026-04-13 [Chipotle Mexican Grill to open in Centralia Thursday, April 16 - The Daily Chronicle](https://news.google.com/rss/articles/CBMipAFBVV95cUxPRTBveE9heWZMcGUzVC1hUFI0N2ZCOUtBSmhYb2VsMGx1NWZsQ0RXaE11eXgtOUdlLWZiS2ZPSE9BTzMxX3dBWS1LMml3WW1HLUxjZkc0LUpybndGNzY4RHFza25VNGNpZ1JzR19XdUpVQU01WGhILXB3Tnc2VGJ6OGtUbU96NGRqRzc4amFJWFFCRE12SDhMcU01T2lQM0dvUmd4Vg?oc=5) · The Daily Chronicle

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24606 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/30.json (key "24606", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24606
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide