# NW PRIORITY
Portland, OR · NCUA charter 63315 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/nw-priority-63315

Who the members are: state charter, organized 1928, low-income designated. 11,410 members of 35,000 potential (32.6% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 75.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $249.7M |
| Members | 11,410 (-9.4% YoY) |
| Full-time staff | 43 |
| Net worth | $41.8M |
| Net worth ratio | 16.8% (p95 of band) |
| ROA (annualized) | 0.77% (p56 of band) |
| Total delinquency | 1.11% (p83 of band) |
| Net charge-offs (annualized) | 0.23% (p33 of band) |
| Loans / shares | 26% (p1 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.44% (p41 of band) |
| Operating expense / assets | 3.10% (p26 of band) |
| Vehicles % of loans | 27% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 36% |
| Third-party paper % of net worth | 12% (p29 of band) |
| Vehicle delinquency | 0.85% (p69 of band) |
| Vehicle NCO | 0.36% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 59% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 80% |
| Certificates % of member funds | 11% |
| Average share balance | $8,741 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 75% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $6,184 |
| Loans granted, annualized | $10.6M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## 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 | delinquency rising |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 4 | delinquency 2x band, delinquency rising, members leaving |  |
| 2020-12 | 4 | margin squeeze, loan book shrinking | delinquency 2x band, members leaving |
| 2021-03 | 5 | delinquency 2x band, members leaving | delinquency rising |
| 2021-06 | 4 |  | members leaving |
| 2021-09 | 3 |  | delinquency 2x band |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | delinquency 2x band, members leaving | net worth falling, margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 3 | assets shrinking | loan book shrinking, delinquency 2x band |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | delinquency rising |  |
| 2026-03 | 2 |  |  |

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

- 2020-08-26 [Successor named as NW Priority’s longest-serving CEO heads for the exit | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQTmtSLTFGOHkzMXlkR2dfeFlLSndkMVlfTWZLUVF4UUR1Rk0tVjFrcHZIMGtndFJVcllNVUV3YkFXVXdIb1E1dXY1ekhSSlRBbXkyWVpwWWdWOGJ0dGhPcUZNdHlOOWJxMzNiYks0blZDQ21OQVlqOW5Tc0xWNlQ3N2dzUkJqcGtWMGJZWWNuUmZQNlZtWVBmOTB3RVRzdDRxNkE1RU13QlpSaEs1akxLcGRnR3kyVDdYRElj?oc=5) · American Banker
- 2025-10-09 [Powerlist: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTFBHNGdGRndIcGtFMTVKM280WTh6cWYwRE9QZVpkcktRT2kwSDh4WWd6ZEktVGZ2V3l6U3dDNGxJUzBsazUySmtOS3pkaEU1aGFWTlhvMmZhQVFBVWhZaUVMNA?oc=5) · oregonbusiness.com
- 2021-10-08 [Clarence Giebelhouse Obituary (1920 - 2019) - Portland, OR - OregonLive.com](https://news.google.com/rss/articles/CBMinAFBVV95cUxOT1M2TW5ScW5sWGpzUm5nTlJrWmV2bEhGcEVqRmV4c1hHdDRUMUJsWjBEdGxIYktKWG9QaWdIWHhmZWlRR1NZc1lObXlOZXAtclE3MWdGaVlRMGh6Szh2ZktiYm96cy1OdEptUG9WNHViS09IX0JxbmQ3OVA0RUoyYUdCdXF1ZTEtYXNiMEFMTEZRQjFsSXVObERBU1E?oc=5) · OregonLive.com
- 2022-07-13 [BEWARE: Officials are warning of a new scam targeting people who sell items on Facebook Marketplace and Craigslist. - facebook.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQUG5OLXM4bXdOeHFHbzRsaF93TDFST3A2SXhlR0QyVWNLTWZpUzJ2LWk2aHE3ay0tc3E5WnJ4aHhTcmZsWW91c1ZtenM2U1pBN0ZhelJ5RG1DaDg2OG5kd1JzYXJ2RUVhbFJuZDZvRVJDQm91eXkyNzA4M3VGUlZOTEhZNVpPNExSLVZQb3hTcFN3bTBLOWZFdW9OQWlkSUd6WmZQVF9lZFBaLVN2MElBaDBEb2J0X0xPYUx4RDdBYkplVnFHclctRVE1aUtZeUd4cVlzVGpkVmlvdms?oc=5) · facebook.com
- 2013-10-21 [Gerald Adkins Obituary Oct 21, 2013 - robertsfuneralhome.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE16MW9nUTBpZFBPWnMtMC1zTGotRG1USW1WQkNGcGgwOHMyY3haZWo1YWh3ZU1PcGFFVDNidUN1UlJLNjN0a0hxNnJFOEcybG14UnhBOC11bEFsOGNLSk5fM1J0YjFvNUJXM09Z?oc=5) · robertsfuneralhome.com
- 2024-12-23 [2025 Power Book: Credit Unions - oregonbusiness.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE12NWlERjQ4Qjhhb2s3cVdRVHVYV0prNjZUS3NROUpPaU90ZGxPOG8yMWFQM3cyb0ZEVERzRFhQZmVEbzNpOTNLbnBFNzc4S1dzNktGVWtMcm5NU3dLUGJlWi1GdDhQWldh?oc=5) · oregonbusiness.com
- 2025-10-04 [Foster kids get holiday spirit at special party - East PDX News](https://news.google.com/rss/articles/CBMifEFVX3lxTE5kcmo5aW13bnVMdnpqQWVUbVJJbGdzaUc4emxNVlVPcllRSHVzeDJNbVo2RVVBNDdONWVwc0NoYzNOcEU0MkdXd0ZDd1FMT000a0xqb1U1WmZBMjZ4TkhZNFFVdlU4NFZZMWI4ZUgzd1B1VExVRFNxc0MxWlI?oc=5) · East PDX News
- 2025-10-04 [Christmas arrives for ‘kids caught in the crossfire’ - East PDX News](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTWJ4MjJyV0xhTGNXSWluM19XTDUzNjZsNUl2OUl2OU1IZW5aZVR6eWkwVXp3YVdRZ0ZJaW84S09VYURBUHBQX1I1UW02QmpEeFNIcWw5V1o4RzR3U2R0aFQwYlhjYzhsNGJLdEJOTGFsWVBtbjJSWGJpTFAzelhtUQ?oc=5) · East PDX News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63315 (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/19.json (key "63315", 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=63315
- 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