TellerScore

North Western Employees Credit Union is a federally insured state-chartered credit union headquartered in Council Bluffs, Iowa, in business for about 85 years. At the end of Q2 2026 it reported $10.4M in total assets and $8.1M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, North Western Employees Credit Union scores 94/100, which we describe as very strong. That is higher than 95% of 2,479 credit unions with under $100 million in assets. Among 66 credit unions headquartered in Iowa, it ranks 3rd. Its strongest component is capital cushion (100/100; 21.35%), and its lowest is earnings (68/100; 1.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.35%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity100/100
Loans ÷ shares: 60.6% · 1.5% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (91 → 94), mostly because the loan quality component improved by 16 points.

TellerScore
879195Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202493
Q4 202493
Q1 202592
Q2 202591
Q3 202595
Q4 202594
Q1 202692
Q2 202694
Net worth ratio
7.00%14.19%21.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.17%
Q3 202419.50%
Q4 202419.57%
Q1 202520.22%
Q2 202520.51%
Q3 202520.85%
Q4 202521.38%
Q1 202621.10%
Q2 202621.35%
Delinquent loans (60+ days)
0.00%0.23%0.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.47%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.84%1.14%1.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.84%
Q3 20241.09%
Q4 20241.10%
Q1 20251.01%
Q2 20251.44%
Q3 20251.41%
Q4 20251.26%
Q1 20260.97%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$10.4M21.35%0.00%1.19%60.6%
Q1 202692$10.3M21.10%0.00%0.97%60.6%
Q4 202594$10.1M21.38%0.00%1.26%60.4%
Q3 202595$10.2M20.85%0.00%1.41%58.0%
Q2 202591$10.2M20.51%0.47%1.44%58.2%
Q1 202592$10.1M20.22%0.00%1.01%60.0%
Q4 202493$10.4M19.57%0.00%1.10%58.9%
Q3 202493$10.2M19.50%0.00%1.09%58.6%
Q2 202487$10.2M19.17%0.35%0.84%59.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio21.35%
81st
Problem loans0.00%
94th
Net charge-offs0.09%
59th
Return on assets1.19%
76th
Loans to deposits60.6%
47th
Uninsured deposits1.5%
49th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
Industrial Employees Credit UnionCredit union Centerville, IA91 out of 100, Very strong$9.2M22.2%0.05%vs
Teamsters Local #238 Credit UnionCredit union Cedar Rapids, IA24 out of 100, Low$7.6M5.9%3.04%vs
Ace Credit UnionCredit union Mason City, IA89 out of 100, Very strong$7.5M20.9%0.12%vs
Quaker Oats Credit UnionCredit union Cedar Rapids, IA95 out of 100, Very strong$13.3M16.9%0.00%vs
Du Pont Employees Credit UnionCredit union Fort Madison, IA84 out of 100, Strong$6.8M11.8%0.00%vs
Allen Hospital Personnel Credit UnionCredit union Waterloo, IA77 out of 100, Strong$6.0M18.5%1.18%vs

Deposit insurance

Is my money safe at North Western Employees Credit Union?

Yes. North Western Employees Credit Union is a federally insured credit union (NCUA charter #64282). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.5% of shares and deposits ($120K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 21.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

North Western Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
North Western Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
64282
RSSD ID
397399
Primary regulator
State + NCUA
Established
1941
Headquarters
1411 W Broadway, Council Bluffs, IA 51501
Employees
2

Quick answers

North Western Employees Credit Union: common questions

Is North Western Employees Credit Union NCUA insured?

Yes. North Western Employees Credit Union is a federally insured credit union (NCUA charter #64282). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is North Western Employees Credit Union's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does North Western Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE98 out of 100, Very strong$34.8M25.2%0.00%vs
American Interstate BankBank Elkhorn, NE93 out of 100, Very strong$132.0M20.1%0.00%vs
Neighborhood Community Federal Credit UnionCredit union Omaha, NE92 out of 100, Very strong$31.0M14.2%0.17%vs
Omaha Firefighters Credit UnionCredit union Omaha, NE92 out of 100, Very strong$76.0M17.5%0.04%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Omaha Federal Credit UnionCredit union Omaha, NE88 out of 100, Very strong$118.0M15.3%1.05%vs