# NW PREFERRED
TIGARD, OR · NCUA charter 3853 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nw-preferred-3853

Who the members are: federal charter, service (single sponsor), organized 1940. 8,067 members of 3,500,000 potential (0.2% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $190.3M |
| Members | 8,067 (-3.2% YoY) |
| Full-time staff | 33 |
| Net worth | $26.9M |
| Net worth ratio | 14.1% (p77 of band) |
| ROA (annualized) | 0.77% (p54 of band) |
| Total delinquency | 0.66% (p53 of band) |
| Net charge-offs (annualized) | 0.97% (p88 of band) |
| Loans / shares | 90% (p90 of band) |
| Cash / assets | 14.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.67% (p91 of band) |
| Operating expense / assets | 3.45% (p43 of band) |
| Vehicles % of loans | 10% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.85% (p65 of band) |
| Vehicle NCO | 0.73% (p63 of band) |
| Repossessed % of vehicle book | 0.02% (p67 of band) |
| Real estate % of loans | 18% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 319% |
| Core shares % of member funds | 19% |
| Certificates % of member funds | 19% |
| Average share balance | $9,544 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $34,618 |
| Loans granted, annualized | $53.8M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 | repo signal | delinquency 2x band |
| 2016-12 | 1 |  | repo signal |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | thin capital |
| 2017-09 | 1 | members leaving |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | repo signal, loans>95% of shares | members leaving |
| 2018-12 | 1 |  | repo signal |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 0 |  | loans>95% of shares, delinquency rising |
| 2019-12 | 2 | delinquency rising, loans>95% of shares |  |
| 2020-03 | 1 | repo signal | delinquency rising, loans>95% of shares |
| 2020-06 | 2 | net worth falling, margin squeeze | repo signal |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | margin squeeze |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | delinquency 2x band |  |
| 2023-12 | 3 | repo signal | delinquency 2x band |
| 2024-03 | 1 |  | assets shrinking, repo signal |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | members leaving | delinquency rising |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 2 | repo signal |  |
| 2025-09 | 0 |  | members leaving, repo signal |
| 2025-12 | 1 | loans>95% of shares |  |
| 2026-03 | 1 | members leaving | loans>95% of shares |

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

- 2025-03-26 [Corelation gains new core banking tech clients, reports go-lives - FinTech Futures](https://news.google.com/rss/articles/CBMiugFBVV95cUxNRWo0MU05UWJISVZWbDE0QXFvX1RWUHNvVUJzRURDYWZBamNKNHRxS0xlUjEyQkxDOXFZTlMyTjhJVzhmeEdhZmdJN0lnekpuNEFnZ1RudVNidzRJbXRJQVZ2VmI4ZDRaMVFHN0FLRnd6N2x5OTF2U1c1R1BjOFBuQ1dRcGViWGRld1FPT2FfZjlockdRWGtPY2hiS3ZldndPRzJXT2tVTlFiTGxLM2I5SHd5bVpNenFBVWc?oc=5) · FinTech Futures
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2023-05-09 [Jude Erich Silbernagel - statesmanjournal.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE14dWVyUENhUVowcTQ4b3N4TUNneTNOeG4xQVFtSTgzaEtMU2t1Tk1WSUNPdTF1YXZWdDNXVU1TeFRnSk1uZTFEcy05YWFaSFpseGlQNkhldi12aV9WNGlnV2Fzaw?oc=5) · statesmanjournal.com
- 2019-08-01 [Thomas Allen Edwards Obituary Aug 1, 2019 - Altogether Funeral](https://news.google.com/rss/articles/CBMinwFBVV95cUxQWmVtRjlMMThZSGQ4Z1FTZ0hRUW8xeXZVQ2VRa0NfYnVsTHJfZnpJTFFOTVFzdmhvRERBMHlXbmN3VmQwektwZl9hSzVpMVFibG5tZjV1V0FsTmZab2pwQzl6N1UzM3ZMX0tlQUFscmhnQ2tpX0JaRm1CaVZIUnBkb3NFSUlQV2twMy1ocmVCMU1PZUloaDhfYVB3ckEwYzQ?oc=5) · Altogether Funeral
- 2020-06-28 [Public Notices for the week of 6-29-20 - faribaultcountyregister.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQS3pzc20tVmF2QUFDUW5KTmJzSnhmTnd6VGtmVHV4dzR0dHhOMnQzYXFNbXJkdXc5X2VpQTFmMHYxUTZWUmRMUm1DNFpKd0ZJVGVDNmNQeDhrLUExVGhwRDNXYi0tMDZoQ1RRZGJ0SndHUWhXbVJFb01vdTdJMjZnRVZVajd1WlJUb0xMcDFoTUFyZDZ1anl4MlFxdTVjNnJFME1kazBWWkk?oc=5) · faribaultcountyregister.com
- 2024-12-23 [2025 Power Book: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE12NWlERjQ4Qjhhb2s3cVdRVHVYV0prNjZUS3NROUpPaU90ZGxPOG8yMWFQM3cyb0ZEVERzRFhQZmVEbzNpOTNLbnBFNzc4S1dzNktGVWtMcm5NU3dLUGJlWi1GdDhQWldh?oc=5) · oregonbusiness.com
- 2015-12-15 [Apple Pay adds 66 more U.S. banks; BJ's Wholesale store credit cards now supported - iMore](https://news.google.com/rss/articles/CBMigAFBVV95cUxPYVRvTldzaFFEODVxNUVmQi0yNmEwUkl5VnJ4QVYza09IVnBOUTluWlZjeC1KU3lJbFNNQUZLdnhJNTBDRnVZMW5naEZNV3NQT2JZYXBKNklqRUpaajl1ZjlVUFRIdG5NSkxLLUhNd2pPV1phOWNrbUdGSnd1SHdDcw?oc=5) · iMore
- 2016-07-01 [Marion County court records: June 24-July 1 - statesmanjournal.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUmxFcEFPaXFIOTdwSmY5bmw0empsdDFVSm9XUHpYMGNmVHNZVEt4SFdZTW9YbXFmd0lSczlTS3ZDdmhETEpZb0hVQXpGeGdKcHhMendzTmFFUGtCLWhMN3RxSHJOTFY4V3JWRndMbTFCQXZGYmttaVFKZkRKU0VPdkNoY1o5YzRrMlRfczdnS3RaZXJ1d21xZEQ2b1hIWUh2WjRTaQ?oc=5) · statesmanjournal.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3853 (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/13.json (key "3853", 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=3853
- 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