Northwest Christian Credit Union Nampa, Idaho
Northwest Christian Credit Union is a state-chartered credit union headquartered in Nampa, ID, established in 1954 (NCUA charter 97073), and it is regulated and insured by the NCUA. At Q2 2026 it reported 5,090 members and total assets of $105.6M (up 2.9% from Q2 2025), the 17th largest of 26 credit unions headquartered in Idaho. Its net worth ratio was 8.33% at Q2 2026, in the well capitalized band.
Also written as Northwest Christian CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 97073
- Headquarters
- Nampa, ID
- Established
- 1954
- Total assets, Q2 2026
- $105.6M
- Assets vs Q2 2025
- +2.9%
- Members, Q2 2026
- 5,090
- Net worth ratio, Q2 2026
- 8.33%
- Latest call report
- Q2 2026, NCUA 5300 · Northwest Christian Credit Union call report
- Asset rank in state
- 17th of 26 in Idaho
- Routing number
- 324173448
- Branches
- 2
It has 90 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was unchanged from June 30, 2025. Commercial loans are its largest loan category, $29.7M of $50.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 8.33% net worth ratio is below that band's 11.43% median.
Frequently asked about Northwest Christian Credit Union
How big is Northwest Christian Credit Union?
At Q2 2026 it reported total assets of $105.6M and 5,090 members.
Where is Northwest Christian Credit Union headquartered?
It is headquartered in Nampa, ID, United States.
When was Northwest Christian Credit Union founded?
It was established in 1954, per NCUA records.
Is Northwest Christian Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 97073): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Northwest Christian Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Northwest Christian Credit Union well capitalized?
Its net worth ratio was 8.33% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Northwest Christian Credit Union's delinquency ratio?
Its delinquency ratio was 0.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Northwest Christian Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 52.59% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Nampa, ID 83686
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 97073
- RSSD ID
- 946283
- Members
- 5,090
- Potential members
- 1,000,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 8.33% | 11.43% | under 10th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.52% | 0.81% | 31st below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.26% | 7.02% | 44th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.16% | 3.70% | 20th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 79.41% | 76.55% | 40th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.16% | 1.24% | 56th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.80% | 0.68% | 43rd below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.32% | 4.92% | 16th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 52.59% | 75.66% | 13th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$105.6M total assets against $102.6M; $96.0M total shares and deposits against $93.1M; $50.5M total loans against $54.1M.
$8.8M net worth against $8.6M.
8.33% net worth ratio against 8.33%.
52.59% loan-to-share ratio against 58.09%.
0.80% delinquency ratio against 0.70%.
0.52% return on assets against 1.16%; 6.26% return on equity against 13.90%.
3.16% net interest margin against 2.93%.
5,090 members against 5,180.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 8.33% | 0.52% | 0.80% | 52.59% |
| March 31, 2026 | 8.28% | 0.02% | 0.67% | 55.33% |
| December 31, 2025 | 8.31% | 0.14% | 0.93% | 55.15% |
| September 30, 2025 | 8.51% | 0.26% | 0.72% | 58.67% |
| June 30, 2025 | 8.33% | 1.16% | 0.70% | 58.09% |
| March 31, 2025 | 8.04% | 0.35% | 0.69% | 58.48% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.