# NORTHWEST CHRISTIAN
NAMPA, ID · NCUA charter 97073 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/northwest-christian-97073

Who the members are: state charter, organized 1954, low-income designated. 5,089 members of 1,000,000 potential (0.5% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *participation buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $104.6M |
| Members | 5,089 (-1.9% YoY) |
| Full-time staff | 23 |
| Net worth | $8.7M |
| Net worth ratio | 8.3% (p6 of band) |
| ROA (annualized) | 0.02% (p9 of band) |
| Total delinquency | 0.67% (p54 of band) |
| Net charge-offs (annualized) | 0.67% (p77 of band) |
| Loans / shares | 55% (p24 of band) |
| Cash / assets | 30.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.05% (p16 of band) |
| Operating expense / assets | 3.12% (p30 of band) |
| Vehicles % of loans | 31% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 154% (p79 of band) |
| Vehicle delinquency | 2.11% (p92 of band) |
| Vehicle NCO | 2.18% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 10% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 0% |
| Commercial % of net worth | 345% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 29% |
| Average share balance | $9,176 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $30,982 |
| Loans granted, annualized | $15.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 2 | net worth falling, repo signal |  |
| 2017-03 | 2 | delinquency rising | repo signal |
| 2017-06 | 1 | members leaving | net worth falling, delinquency rising |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | net worth falling, delinquency 2x band |  |
| 2018-06 | 1 |  | members leaving, net worth falling |
| 2018-09 | 1 | delinquency rising | delinquency 2x band |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | net worth falling |  |
| 2020-03 | 0 |  | net worth falling |
| 2020-06 | 1 | thin capital |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 6 | capital below 7%, delinquency rising |  |
| 2021-12 | 5 |  | delinquency rising |
| 2022-03 | 5 | delinquency rising | margin squeeze |
| 2022-06 | 6 | 3rd-party paper>100% NW |  |
| 2022-09 | 5 |  | net worth falling |
| 2022-12 | 5 | members leaving | delinquency rising |
| 2023-03 | 5 | delinquency rising, assets shrinking | capital below 7% |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 5 |  |  |
| 2024-06 | 5 | losing money | assets shrinking |
| 2024-09 | 5 | net worth falling, margin squeeze | members leaving, delinquency rising |
| 2024-12 | 4 |  | margin squeeze |
| 2025-03 | 2 |  | losing money, net worth falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | net worth falling |  |

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

- 2024-03-11 [Pioneer Federal CU to replace NW Christian CU Boise branch - BoiseDev](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9tMGNlbXdIVmdELXh5UlRtN2k1aW9abXEtTm9UYmFKZHlzYTZkWXFaYkdWbHNLMHZrelVrcW1KQkhpN3pWVmoyUHZXbjZrWGE2b0Z5djhUUmlndXVQc2tUY0RJU0xMd1ZL?oc=5) · BoiseDev
- 2012-01-02 [After 43 years, Nampa funeral director retires - Idaho Press](https://news.google.com/rss/articles/CBMizAFBVV95cUxPOFNXbTJuWlRDRV9mSDZScFp0ZWpkU0RJajZtcFBGNUMwX2FoSGhiMFRoc3FWQzdzMnBjSVZIaDRNRlhsclUzS1g3NjhXdWdpMTBWUWN1bXBmOGNlWFp1QWd2WnRaS2d6c0k2eGlaYkRIbmpMREY4NWw0Z2wtbVdYWDBmWHJYT2pYcS00X2pzeWRZZUdpZkwzSFExdjNtMkk5WlhPQkFiWEZMLUNZaVJ4bVZtUVR6R1ZLam8tUm9LdExmV3hhU2ZtX0dSX0o?oc=5) · Idaho Press
- 2014-04-02 [Cade Williamson Obituary (2014) - Nampa, ID - Westport News - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOTVR2V21yNnF6bDBmcGc0UnVua3VFQ2dvUXpuYXRIVF9SMkxkY2NReFFpQVR4T1JianEwTnZ2VHJmcEthTzJuX3BrTDhoSnlValNOQ2dKWk1NQjJMa2tFOGJQSHp4ZVJqbC1pZEVUdWo3bW81b2FDeENkRVNrZTVxaE9FNDAxeGFTWGNYSFpsVWc0OEN5a0k0?oc=5) · legacy.com
- 2012-07-27 [Jullian Fuentes Obituary (2011 - 2012) - Nampa, ID - Idaho Press Tribune - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQZVBZX2NpbkYyejFJaEJDbUlMY0hOQjZGbXhWel9FYXZYbDhZU3lKQnRKU0NiSGVwVk92S1l5RDkyWi01cndzRl9ROXl1bk5Ob2ktRXYxRU5UMnNpSTc2elFhcmhuUVRUNFlFSjM3VVgzMDFQRVlTM0w0OFlzc21ldHZ2MV9nTDBKTDVUb1o5enZ5RGc?oc=5) · legacy.com
- 2021-10-10 [Richard Brooks Obituary (2021) - Eagle, ID - Idaho Statesman - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxNQ0pMNC1MN1p5XzFpcjRnNm9fb2k3bTZGLWxnaFJTN0ZjS0hnNlh0bEV0WTMtam9zR1FiUTZYb19jWGVZWkZKSWdVaXBEZWFOZVFFbmhvZ1kxdUZTY29IeWRsR2p3UGVBanV2b0VfclhtNnh2WkJNb2RzbF9yWDZRSmNWZTVDaHlXVW1XQTFUeTZQMk9JSjVV?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97073 (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/49.json (key "97073", 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=97073
- 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