# NORTHWEST COMMUNITY
MORTON GROVE, IL · NCUA charter 60276 · asset band $50-100M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/northwest-community-60276

Who the members are: state charter, organized 1939. 2,795 members of 300,000 potential (0.9% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 98.

**Verdict on the desk:** this could be *ordinary*. 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 | $56.4M |
| Members | 2,795 (1.6% YoY) |
| Full-time staff | 9 |
| Net worth | $6.2M |
| Net worth ratio | 11.0% (p54 of band) |
| ROA (annualized) | 0.27% (p28 of band) |
| Total delinquency | 0.23% (p19 of band) |
| Net charge-offs (annualized) | 0.00% (p8 of band) |
| Loans / shares | 73% (p67 of band) |
| Cash / assets | 2.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.44% (p16 of band) |
| Operating expense / assets | 2.74% (p22 of band) |
| Vehicles % of loans | 29% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 71% (p71 of band) |
| Vehicle delinquency | 0.38% (p41 of band) |
| Vehicle NCO | 1.06% (p83 of band) |
| Repossessed % of vehicle book | 0.00% (p35 of band) |
| Real estate % of loans | 61% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 31% |
| Core shares % of member funds | 42% |
| Certificates % of member funds | 36% |
| Average share balance | $9,219 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 98% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $13,369 |
| Loans granted, annualized | $8.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 0 |  | losing money, delinquency 2x band |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | net worth falling |
| 2017-06 | 1 | losing money |  |
| 2017-09 | 2 | assets shrinking |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | delinquency rising | losing money |

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

- 2026-02-27 [Jose Garcia - Crain's Chicago Business](https://news.google.com/rss/articles/CBMijgFBVV95cUxNYnozQUNoVWNMV2lRUEVWdldkQ19oLWZtTTFBdjVwc05qekljVDQ2Qm1fUThSTDhBbmh0TGp3TnluaUcyMlluNXNQdGdhM3FKUHY4dGxSajBDUDlja0JKbllxU3I3WEFnV3V3YUdQTzhkaTl6bG43ZmEyWjNxb0RzcHJiLVE3c1RMZ3Z3azF3?oc=5) · Crain's Chicago Business
- 2024-04-07 [People on the move: Northwest Community Credit Union CEO appointed as adviser to governor - Daily Herald](https://news.google.com/rss/articles/CBMi6gFBVV95cUxObnFEVmZmRzZnUFp0N000dnBfNWZNTUJNUE84TlRGMzBndTEwVThDSS1zX3hWMG5qU19UbjRTRW5aajBUZEZuX1pzNUdIMFJRR2gwU2tRWWFrZ3djTjhzSHI3RWN0VDNuTWVIaUNSVFNaNXc4XzBzWkN1WWRRYVBvN0w1U2RmLWhieHlQYUVObnBhaUIxNHhVSGVzWUIwQmpuaUppNGtIMkRtWU9LbVM4bjA5YURNSERVU3haQ0JtbjIwb2RIbFFIOUFLbFMyT2F1UC1GRFpnWHFLZmlURHJxQWFUbkhOX0FyakE?oc=5) · Daily Herald
- 2020-08-26 [Northwest Community CU partners with Special Olympics Illinois - American Banker](https://news.google.com/rss/articles/CBMisgFBVV95cUxQTWhKNUZSQnphSFBvVUF4RWtaZjd6WU1Ibkdjd3VhdWhaNElTQVdFaGZqLVl3Y3I0M21XOG1tSTJPNDZtZFFDQi1TYU1pS1hfZWdicmhqTGN6aFpsNWZmcks5SWE5TGs4ZW1FMUJOYjA2UTNZVUxTd28yWTEtYV91dUlLVmIwS1lFZmFDYkpYMGhReFluSWNoZzlmVjVuNVA1RXNwa1U4TWZHbzMtYkd1YXZR?oc=5) · American Banker
- 2024-06-25 [Illinois’ landmark credit card fee law prompting strong opposition - Chicago Tribune](https://news.google.com/rss/articles/CBMifEFVX3lxTFB1d0FBU0RNb0MzRXNoZW5CUE5oUk91MnVNQ1p2akdUcmVLUXAxUEJtNlFDUjgzUjNXUEo0M21OcEJCVTJqS2hvRXNmYTJTazVjUE1hNVNVUVZkNWpKT3k5cTRxUGZ2MWtZZXdtRThaeHRhWHRjZ05nTXpiZHo?oc=5) · Chicago Tribune
- 2022-12-22 [IHCC Board of Directors Names Arthur Zayas Miller as New Chairman - lawndalenews.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQc3AzbkZnWTRhd2luTmU0ZTNFeVBPU2xWdEtlRWQ5RzFPUW5YQUdrMjR1azVyUXdiVEtkT2gyOFNIVkRha0RhSnYzSFBhV0xSTFBubHo4NGlpV3d2MEJwNFVWRVdfQjI4cDFsMVUycVN1eXFTZTBEQTQzdmNvOXpFSFdRSU1pYVNjTlRYSTd2djBJYjYzNUY4UDJPZjJKNi1qZFUzWA?oc=5) · lawndalenews.com
- 2024-10-03 [Battle brewing over banning swipe fees on sales taxes, tips - AdVantageNews.com](https://news.google.com/rss/articles/CBMi4wFBVV95cUxOWEhmUUJVaWxONG9Tc2kyNFByV3FGejlJWXJOZG1uaHV5OVQzdXNvUFlNVkpSQ1FfM1JzcFBjN3hTX0xPSFZZZXNxQ3JaVVZUVV9pblZiOEUzMWJXNFZ0MzhxS19IUmRscHJ1S20wc3dDR0FQc3BWcjZRd0ZXcURIc1ZrUjFmXy1YQUc4Smx0STNFQ0VCSjJMX3dacWVQZFBqVDNjX0ZFbFU3UEtIQzNkS25BLVpWZmxFbVlyVGtmaFFkdVRxdXhsakFxdk9fWVRkak9uTThZXzFwY2NUd21sSG9tbw?oc=5) · AdVantageNews.com
- 2024-02-29 [Quad Cities, Pay Close Attention To The Gas Pumps You're Using - b100quadcities.com](https://news.google.com/rss/articles/CBMiakFVX3lxTE5XOWVWWjkycVhlTWstMGNvMWlBNU9TTkgyMEtPUjBOV1F1VlBFN2ZTcF9rMW1wS2RZNjBhb240T0I3N1NTczFaczJGaUoxbklzVDhEUkxhZUJkMC1ncXppS0hkYU9OSk9aTkE?oc=5) · b100quadcities.com
- 2023-03-06 [Credit union leaders share best practices to improve lobbying efforts - American Banker](https://news.google.com/rss/articles/CBMiugFBVV95cUxNQ09HeGFqRlhVV3JWSnVPNTA0c0dXTVZETTIyWlRlaHBLTjZoWGpNakRjNmF6YVZOUEJ4bFc0ODNZYWpFT3FTbGtZTkd5WGZtc29JbjdlWUFYdnJ5Ny1TOUQtdUVNQVJhOWlDQ2JxcUtFN1Bzd091Nkhxd2hQbTZJa3lQaW02dHVRck51ZW90U3ZXSUZfU2p1d0htdGtjeTdVcGllc1hVUmJPTWxsdHF1b1RycnItVXh6M2c?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60276 (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/52.json (key "60276", 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=60276
- 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.

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