Northwest Federal Credit Union Herndon, Virginia
Northwest Federal Credit Union is a federal credit union headquartered in Herndon, VA, established in 1947 (NCUA charter 5500), and it is regulated and insured by the NCUA. At Q2 2026 it reported 266,304 members and total assets of $4.56B (up 7.7% from Q2 2025), the 6th largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 11.84% at Q2 2026, in the well capitalized band.
Also written as Northwest FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5500
- Headquarters
- Herndon, VA
- Established
- 1947
- Total assets, Q2 2026
- $4.56B
- Assets vs Q2 2025
- +7.7%
- Members, Q2 2026
- 266,304
- Net worth ratio, Q2 2026
- 11.84%
- Latest call report
- Q2 2026, NCUA 5300 · Northwest Federal Credit Union call report
- Asset rank in state
- 6th of 94 in Virginia
- Routing number
- 256075025
- Branches
- 15
It has 5,082 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was down 0.61 percentage points from 12.45% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.10B of $3.06B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.39% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.84% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Virginia
Credit unions merged into Northwest Federal Credit Union
Frequently asked about Northwest Federal Credit Union
How big is Northwest Federal Credit Union?
At Q2 2026 it reported total assets of $4.56B and 266,304 members.
Where is Northwest Federal Credit Union headquartered?
It is headquartered in Herndon, VA, United States.
When was Northwest Federal Credit Union founded?
It was established in 1947, per NCUA records.
Is Northwest Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5500): 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 Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Northwest Federal Credit Union well capitalized?
Its net worth ratio was 11.84% 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 Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.39% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Northwest Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 87.42% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Herndon, VA 20170
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 5500
- RSSD ID
- 988975
- Members
- 266,304
- Potential members
- 3,439,101
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.84% | 10.89% | 64th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.32% | 0.89% | 12th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 2.72% | 8.07% | 11th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.04% | 3.45% | 25th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 86.47% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.59% | 1.68% | 58th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.39% | 0.68% | 81st top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.62% | 5.12% | 21st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 87.42% | 88.03% | 48th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.56B total assets against $4.24B; $3.50B total shares and deposits against $3.48B; $3.06B total loans against $2.84B.
$540.5M net worth against $528.5M.
11.84% net worth ratio against 12.45%.
87.42% loan-to-share ratio against 81.83%.
0.39% delinquency ratio against 0.45%.
0.32% return on assets against 0.26%; 2.72% return on equity against 2.06%.
3.04% net interest margin against 2.83%.
266,304 members against 271,386.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.84% | 0.32% | 0.39% | 87.42% |
| March 31, 2026 | 11.81% | 0.41% | 0.37% | 82.86% |
| December 31, 2025 | 11.69% | 0.50% | 0.44% | 82.26% |
| September 30, 2025 | 11.97% | 0.36% | 0.41% | 81.26% |
| June 30, 2025 | 12.45% | 0.26% | 0.45% | 81.83% |
| March 31, 2025 | 12.65% | 0.23% | 0.39% | 81.39% |
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.