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Overview / Commentary
Not Federally Insured
208-466-0916
716 E Colorado Ave
Nampa, ID 83686

Northwest Christian Credit Union is headquartered in NAMPA and is the 22nd largest credit union in the state of Idaho. It is also the 2,479th largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 17 employees and 5,882 members. Northwest Christian Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a member, attendee, employee or volunteer of an Evangelical faith based church within Idaho, Oregon, Washington, Alaska, Utah, Wyoming (in a list), OR be a member of the Nazarene denomination worldwide. Or an alumni, student, parent of a student, volunteer or faculty member of one of the following schools: Nampa Christian Schools, Cole Valley Christian Schools, Any Nazarene school or university, Boise Bible College. - See Details

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Northwest Christian Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Northwest Christian Credit Union had $3,000 in non-current loans and owned real-estate with $4.78 million in equity and loan loss allowances on hand to cover it. This gives Northwest Christian Credit Union a Texas Ratio of 0.06% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Northwest Christian Credit Union experienced no significant changes from 0.07% as of March 31, 2013 to 0.06% as of March 31, 2014, resulting in a positive change of 4.04%.This indicates that the balance sheet and financial strength for Northwest Christian Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Northwest Christian Credit Union has increased its total deposits by $2.47 million, resulting in 6.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Northwest Christian Credit Union has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Northwest Christian Credit Union has $43.27 million in assets with $4.78 million in equity, resulting in a capitalization level of 11.04%, which is excellent.

Institution Statistics

Overall
NCUA #97073
Year Chartered1954
Employees17
Primary Regulator
Assets and Liabilities
Assets$43.27 million
Loans$23.48 million
Deposits$38.43 million
Equity Capital$4.70 million
Loan Loss Allowance$77,000
Unbacked Noncurrent Loans$3,000
Real Estate Owned$0
Historic Data - March 2013
Assets$40.60 million
Equity Capital$4.51 million
Loan Loss Allowance$75,000
Unbacked Noncurrent Loans$3,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.15%
Return on Assets0.22%
Return on Equity2.04%
Interest Income$354,000
Rates

Always verify rates and promotions with the bank or credit union. We are not Northwest Christian Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Northwest Christian Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%--IRA Shares
0.20%$50k-Regular Shares

Northwest Christian Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Money Market

Northwest Christian Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$10k-Share Draft

Northwest Christian Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.00%--5 Year CD
0.85%--4 Year CD
0.65%--3 Year CD
0.45%--2 Year CD
0.30%--1 Year CD
0.20%--6 Month CD

Northwest Christian Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.00%--5 Year IRA
0.85%--4 Year IRA
0.65%--3 Year IRA
0.45%--2 Year IRA
0.30%--1 Year IRA
0.20%--6 Month IRA
Locations


Northwest Christian Credit Union Locations
Branch Office6115 W Overland RdBoise, ID 83709-3018
Branch Office716 E COLORADO AVENAMPA, ID 83686