Credit Union Safety Analysis
Is Freedom Northwest Credit Union Safe? Kamiah, Idaho
Based on its Q2 2026 NCUA 5300 call report, Freedom Northwest Credit Union has a net worth ratio of 13.40%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.61%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Freedom Northwest Credit Union's net worth ratio is 13.40%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.40%
- Delinquency ratio (60+ days) (Q2 2026): 0.61%
- Return on assets (Q2 2026): 2.58%
- Loan-to-share ratio (Q2 2026): 115.74%
Freedom Northwest Credit Union (NCUA charter 65722, established 1963) reported $693.1M in assets and 13,148 members for Q2 2026 from Kamiah, Idaho. It ranks 7 of 26 credit unions in Idaho by total assets. Total assets grew 9.7% from $631.8M on June 30, 2025. It has 281 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 1.37 percentage points from 12.03% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $463.8M of $590.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.61% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.24% for Q1 2026; 12.03% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.62% for Q1 2026; 0.32% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 2.42% for Q1 2026; 2.21% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 113.77% for Q1 2026; 110.00% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $463.8M
- Commercial loans: $66.6M
- Other secured non-real estate loans and lines of credit: $41.8M
- Used vehicle loans: $13.3M
- New vehicle loans: $2.3M
- Other unsecured loans and lines of credit: $1.4M
- Unsecured credit card loans: $885K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $693.1M | 13.40% | 0.61% | 2.58% | 115.74% |
| March 31, 2026 | $667.8M | 13.24% | 0.62% | 2.42% | 113.77% |
| December 31, 2025 | $645.2M | 13.08% | 0.39% | 2.78% | 115.36% |
| September 30, 2025 | $645.9M | 12.37% | 0.32% | 2.39% | 109.94% |
| June 30, 2025 | $631.8M | 12.03% | 0.32% | 2.21% | 110.00% |
| March 31, 2025 | $604.1M | 12.01% | 0.25% | 2.12% | 113.73% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Freedom Northwest Credit Union profile
Regulator records: NCUA credit union profile (charter 65722) · FFIEC NIC profile (RSSD 435198)
Frequently asked questions
Is Freedom Northwest Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Freedom Northwest Credit Union's net worth ratio is 13.40%, above the 7% NCUA threshold for well capitalized.
Is Freedom Northwest Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Freedom Northwest Credit Union is a federally insured credit union (NCUA charter 65722): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Freedom Northwest Credit Union's key safety ratios?
For Q2 2026, Freedom Northwest Credit Union reports net worth 13.40%, delinquency 0.61%, ROA 2.58%, loan-to-share 115.74%.
What happens to my money if Freedom Northwest Credit Union fails?
For Q2 2026, Freedom Northwest Credit Union held $509.8M in shares and deposits for 13,148 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.