# NORTHWEST COMMUNITY
Eugene, OR · NCUA charter 61716 · asset band $1-10B · latest filing 2023-03 · stopped filing after 2023-03 (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-61716

Who the members are: state charter, organized 1949, low-income designated. 106,917 members of 3,590,176 potential (3.0% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 67.

**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 | $1.84B |
| Members | 106,917 (-0.4% YoY) |
| Full-time staff | 302 |
| Net worth | $182.3M |
| Net worth ratio | 9.9% (p43 of band) |
| ROA (annualized) | 0.82% (p60 of band) |
| Total delinquency | 0.28% (p41 of band) |
| Net charge-offs (annualized) | 0.38% (p60 of band) |
| Loans / shares | 93% (p64 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 3.53% |
| Net interest margin | 3.22% (p74 of band) |
| Operating expense / assets | 2.98% (p49 of band) |
| Vehicles % of loans | 34% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 79% |
| Third-party paper % of net worth | 322% (p81 of band) |
| Vehicle delinquency | 0.43% (p56 of band) |
| Vehicle NCO | 0.52% (p57 of band) |
| Repossessed % of vehicle book | 0.07% (p60 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 95% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 17% |
| Average share balance | $7,648 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $20,437 |
| Loans granted, annualized | $382.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | expense trap, loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 4 | thin capital |  |
| 2016-09 | 3 |  | thin capital |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | net worth falling |  |
| 2017-06 | 5 | thin capital |  |
| 2017-09 | 2 |  | expense trap, net worth falling, thin capital |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | members leaving |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze | members leaving |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 1 |  | net worth falling, margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |

## 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
- 2026-07-23 [Old Shari's site in Springfield making way for credit union - kezi.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNZGk5aWtvU1hoQmp4bVJnM2g2TzFRbVc0aE82QmJsd3FSV3V0cWtsM1VVemdyOXVkSFB4b0VwNXNpRVkwd1VmNld5dHRoWjNDeldmWUw4OG0ydUFLN3JKSHZEUUVIZHVYS3VtQUlsUTNSRmlVTGRGYXY2aG9UVEZtc2xFTzRCV0VrU1U1OUM3Q01sUF9hdkZTYVBUYmh6WDNXcmhwUlJ1Nzl3TVJaX09SSFJMUXVFTjBJNFdTbl9zTEVMN2lhSERvQ0IyUnMxWktXSmdkNXRrVQ?oc=5) · kezi.com
- 2026-01-21 [Ex-credit-union worker charged with accessing accounts of dead people - Lookout Eugene-Springfield](https://news.google.com/rss/articles/CBMizgFBVV95cUxOWGt0SmdsSGdyUWFrRmNwU3dQWXJyV281VkRRdXYxNzhEMmNObWdzQkY1QTExYmxzNVNVQ01XREhjZHRjZC03anJoNS1fZlBnbFFnMlRPMWtRQTVCRmFKOGdEWENMTUlrOXZlS2liOGtLMEE2cWNrY1hsbW5EMXh3MzZkb1lMYmlxcWx5MXdCUWpyMEZDd0xTSEFmQjNjWGo3WmE3VnVHMkFBdGdQQzJwR3RUb0ZNT2gtTWdPcWVxVlBaaVkwMzA2aHg4R3I0QQ?oc=5) · Lookout Eugene-Springfield
- 2025-10-29 [Peak Credit Union Selects Upstart for Personal Lending - Business Wire](https://news.google.com/rss/articles/CBMisAFBVV95cUxNY181eG1pNVZ4VjZJNFYxYnNSX0p4TjFvVnlRS1hyZmZEMjljRE5xc21YeHNKTDVtVG92WHRtVW5JcUo4UUpwbER4dGZtMTNOVFhoSy1RMHl2YTYtLXJfVVptUUwzV192NERZS214QXR1Wk5jVFNneVdtYTVMZWpkc2JEZ215cHFMVVBWcl80OWU2UkJkR2w2WmY1V2RNcjEyUG92LV9CNjFMT2Y4YXVEOA?oc=5) · Business Wire
- 2026-04-07 [Credit Union Lays Off 85 Employees, Citing Economic Conditions - cutoday.info](https://news.google.com/rss/articles/CBMinwFBVV95cUxNZHFKTGVKZmFqOFhqSVpjRVR2emxLZUhXYWp0eWloRTlRV1BJRHE4bmpqajJLMmJaQ3hjYW9EcHpBUkZwSmdlazdxX09uTGN1dUhzdWx0M1IxQzJERlNNT0M1R2QwRV9YZXNma1dqY3BRSDNWN0hhcS1oYUZ5aWZJa013S0hmLUhKMXI3TEs1NWw3Z2pJb0xOZXdTdjhtR0E?oc=5) · cutoday.info
- 2026-04-01 [Thurston County credit union confirms job cuts. Here’s what we know - The Olympian](https://news.google.com/rss/articles/CBMibEFVX3lxTE5PNmZfUlh6cmlrM3NTTEVRRFh3aDNLRzNPdzZIZlhueWVKWDZadDJCX2UyNWZMQXUxN211WnR3VUVDUHdzUy1RVlY0MFBGbmx5QV9QbnJTTGxuT1UtM3lMVFVLVlQ4UGpUazZhY9IBbEFVX3lxTE5fRkc3MERPRFpDcEpQSEZZVVJWYUYzcmxLQk4yMUttUUFkTmE5S3p2ZEF2UnRmNVJxN0plWjNSaE1QMmtEYkNsRHd1QmprYnY3bDI0aFM4U0tyWGhvXzBSekZpd1RDMkRITlBmVw?oc=5) · The Olympian
- 2026-01-22 [Former credit union employee accused of embezzling $230k from dead members - The Register-Guard](https://news.google.com/rss/articles/CBMiowFBVV95cUxNdVJaY0tTVzA1TTctR3JqN3k2MTc0OFBEVGFpQThSMDNDaTk3RXpfeXhBLWRGa3RmU1pWZ1BwWENGWFFJREl2WDZxTjhhUHp1MHpYUldIWmRsMWNUc1dCMGE0eVViRzg3REw5SW43R2NHaFdNM0FYNkIxQTMzZkU3WTVxalVqR2VoaWpTV01QbVQwamdEdmwwUmdreHdvU0I1VXRV?oc=5) · The Register-Guard
- 2026-04-10 [Peak Credit Union, formerly TwinStar, confirms unknown number of layoffs - Nisqually Valley News](https://news.google.com/rss/articles/CBMisgFBVV95cUxOUTF3X1RPelVCeUdOVzJoalh5TVhncmxGYnlnZk9tcTdYZ3pYc0dXRTF3WG1nZFJPMjlKNmduOWk5ZXRfSldTMmhweUZoaDN2UGhVRXZvTll3d1NyNlp1ZWNuOUZqcWdLSVc0bU5VR2llZ3dZTFNQc2UwWkR0MzFPb0xkRmNCdGROYzRBZ0pNSGE4RGZ0TDJqQ3FiZjM2bV94QlJfUUpuM2lqY2hOdnRkVFh3?oc=5) · Nisqually Valley News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61716 (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/20.json (key "61716", 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=61716
- 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