# FREEDOM NORTHWEST
KAMIAH, ID · NCUA charter 65722 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/freedom-northwest-65722

Who the members are: state charter, organized 1963, low-income designated. 13,031 members of 275,000 potential (4.7% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $667.8M |
| Members | 13,031 (1.9% YoY) |
| Full-time staff | 44 |
| Net worth | $88.4M |
| Net worth ratio | 13.2% (p84 of band) |
| ROA (annualized) | 2.42% (p99 of band) |
| Total delinquency | 0.62% (p52 of band) |
| Net charge-offs (annualized) | 0.04% (p4 of band) |
| Loans / shares | 114% (p100 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 11.72% |
| Net interest margin | 3.48% (p50 of band) |
| Operating expense / assets | 1.67% (p3 of band) |
| Vehicles % of loans | 3% (p1 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.19% (p12 of band) |
| Vehicle NCO | 0.60% (p34 of band) |
| Repossessed % of vehicle book | 0.66% (p98 of band) |
| Real estate % of loans | 78% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 74% |
| Core shares % of member funds | 14% |
| Certificates % of member funds | 46% |
| Average share balance | $18,771 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $82,821 |
| Loans granted, annualized | $92.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, leaning on borrowings |  |
| 2016-06 | 3 | loans>95% of shares |  |
| 2016-09 | 3 | net worth falling | delinquency 2x band |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 4 | delinquency rising |  |
| 2018-03 | 3 |  | delinquency rising |
| 2018-06 | 4 | thin capital |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | net worth falling |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | net worth falling |  |
| 2019-12 | 3 |  | net worth falling |
| 2020-03 | 3 | margin squeeze | loans>95% of shares |
| 2020-06 | 4 | loans>95% of shares |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 6 | net worth falling, delinquency 2x band, delinquency rising | margin squeeze |
| 2021-06 | 4 |  | delinquency 2x band, delinquency rising |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 1 |  | thin capital, loans>95% of shares |
| 2023-03 | 2 | loans>95% of shares |  |
| 2023-06 | 3 | margin squeeze |  |
| 2023-09 | 3 | delinquency rising | loans>95% of shares |
| 2023-12 | 2 |  | delinquency rising |
| 2024-03 | 3 | loans>95% of shares |  |
| 2024-06 | 3 | repo signal | margin squeeze |
| 2024-09 | 3 |  |  |
| 2024-12 | 4 | assets shrinking |  |
| 2025-03 | 3 |  | assets shrinking |
| 2025-06 | 4 | delinquency rising |  |
| 2025-09 | 4 | members leaving | delinquency rising |
| 2025-12 | 4 | delinquency rising | members leaving |
| 2026-03 | 4 |  |  |

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

- 2023-03-14 [Freedom Northwest Credit Union - Idaho County Free Press](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNNDZpbGpvdWVGX05ZUjlwVEI1dUU3Wk84cnBjMFZqaVFsVmVkNGtHZ0JSN2lObmg3NnJkcGJsSjB6VUJrdjdMT3VCNjNXaVB5VjVCRFhyY2NINktzaFNvUVUya3M2SnhzRTBmYk4xOEhOVlNpcVAxek9HclkyQ1dfWUNReVlIRVllOWRYWThsZ1JnQm1YM29OZHZvRnlwdVlhcjRtZDNTcEsxTzE2ZXZwSFhDMC1aamo0?oc=5) · Idaho County Free Press
- 2019-06-07 [Credit union courts nonmember deposits (and trouble with banks) - americanbanker.com](https://news.google.com/rss/articles/CBMingFBVV95cUxQVFFvYzE4VU1LT3FqU0VEeWNBbnZQcVM3RlZiX05BRFRlOWJyNUpUaVFna0hZQTVkYWpMQWk0cDZaRXNtTmZsQVdrTTZCUkNYc1hLaEc2a3U3UXk1ZE5DY0ZJZWxYMVIyX1dHSHVXOVZ1Smh0QWlMa3JVc2hTeVFoVDAwVFAzcW1vbGxUUmxjXzNXT2hXNk1zYnJjdTBsUQ?oc=5) · americanbanker.com
- 2016-12-24 [Credit union looks to make a splash - The Lewiston Tribune](https://news.google.com/rss/articles/CBMihgFBVV95cUxQMnU1M19ENjRKNlROd2ctcFJfeEdZenN4T3FnWU1rNWhKYk5NVDFla2ZhNHJBMmFPVWo1X0RiTkM0RXBTQVMwQ1pZV0ZFN3VfeWFLN0JMQUEwUzZYNnJLVEM5VEFyd2Nsdk80WDNONXFLbFNEUlB2dHFlcWNTQlNOOXI4SWRrQQ?oc=5) · The Lewiston Tribune
- 2022-04-23 [Freedom Northwest Credit Union - Idaho County Free Press](https://news.google.com/rss/articles/CBMizAFBVV95cUxOeFQ5MGtsT1BSdkNZZTRYeHUyRDVJako4bklnZGFVWG9PSEEyb2xlMXpkZUpKVXgtVkhUNlFwUWUyR0c5bk1jZkVkNW9yeDRZVnFSdWZydUp2b0p4SjVHUUc4WDQ5OWhmdnREWDlheGxHZjJ2SGFtZG9YYS1YRzF4Y1Fzem8tTi01d0ludWxKVWFkMEN0TmZJdE1Na3c5c09uYmVuV3lhb3hhNEdNb3otZjhscGF0NXAyMjRLRjZPZjVXUGE3b0tjbm5jbE0?oc=5) · Idaho County Free Press
- 2025-09-24 [Orofino Adventure Park Disc Golf Course announces Founding Sponsor Program - Clearwater Tribune](https://news.google.com/rss/articles/CBMihgJBVV95cUxPWG9wRVZ4VXNKVm1kUjZEMVpOLUV2aTRoTHdqVGpPanptb0g4c0ZwdlE2WkV6dlJBQWZKSGh5cUthV3FJdjlLSnA2ejhTbEtZX1o3M3gyRlJ1S2kyclRCRmU3QWRRdUUzZi05cllTUnJ3cG9qOWZPZXVkanBNUkV3YjNmZFgyTUdFeFhZM1htTDB4VERudS1zR1dLcVM4a1podE1ZNXc3ZjdMaXUtekpPWDMyS2pQem16a3huRDhmT3hweXN0OGhKazNGM09DNnhNOWp1ZFdpRHRGRnZRLUNTOVlJR3A4VHYwbHFXNlA0SWMtMzhTUnI3cmx2c1NsX0ZmRFBKMl93?oc=5) · Clearwater Tribune
- 2024-04-26 [Ruth I Cloninger Obituary (2024) - Grangeville, ID - DeFord Funeral Home - Grangeville - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNN0hQelFCSW1mSUd3clFBSy1KR3lZRHhyQXhXQUZrZmMwaWZiWTRrUkJnX2F3ZnRaZG5YMWc3bGY4YTdOVUZnbzQxbC04QWY1ZmJ2aGpLZ1JpZGdtUTAxd2x1RGlxQ0NHLU0zOGR0bk1nNHN3cG5Xai11a250MmJjcDZrRQ?oc=5) · legacy.com
- 2025-05-25 [A patriotic tradition at Theon - Moscow-Pullman Daily News](https://news.google.com/rss/articles/CBMifEFVX3lxTE1aVmlzN3pIcTZXWTh0R0hPVjROWC1KSTNlOEdQVzVrUVR4aTRPNmI4c0FGZWdzTEhGZms4Y0lpQUJEQnlsQTNCdFl3UWYtWHpnb3F4S2NMY2JCR0txaVpqbVRidXdxRkhrOEhKNC10N0dJbFNOazQwWkgtSnc?oc=5) · Moscow-Pullman Daily News
- 2025-10-17 [Fifth Annual Big Canyon Acres Fall Fest Brings Family Fun to Peck This Weekend - Dailyfly News](https://news.google.com/rss/articles/CBMitgFBVV95cUxQT1NBSDNDV1daN3JsXzRKUUZFYzAxTmFRWjdxaU9oeU1PNTgzZWlJaDhmajdFeHd5el9tU3Q5WFFoTXJJWjZDY01tRmdHRFF6S2J6OEdNZDRMSWk3YWNQLXhvbFRIdlVIa3pCUE5oM0hjZHNIUEZvenZNWkJRbFg1QnU0N2ZDNWdid2JPMmVxei03bU96Q1Iwc1FYaUJQblpha2tkbHc3eXlNZFlFSWNMR2tjSWptQQ?oc=5) · Dailyfly News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=65722 (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/58.json (key "65722", 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=65722
- 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