Northwest Federal Credit Union (NCUA charter #5500) is based in Herndon, Virginia. Its Q2 2026 call report shows $4.6B in total assets and $3.5B in member shares and deposits and 12 offices across 2 states.
Based on its Q2 2026 filing, Northwest Federal Credit Union scores 69/100, which we describe as moderate. That is higher than 54% of 454 credit unions with $1 billion – $10 billion. Among 95 credit unions headquartered in Virginia, it ranks 45th. Its strongest component is problem-loan coverage (95/100; 2.3%), and its lowest is earnings (35/100; 0.37%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 68 |
| Q4 2024 | 73 |
| Q1 2025 | 72 |
| Q2 2025 | 70 |
| Q3 2025 | 69 |
| Q4 2025 | 68 |
| Q1 2026 | 70 |
| Q2 2026 | 69 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.34% |
| Q3 2024 | 10.92% |
| Q4 2024 | 12.85% |
| Q1 2025 | 12.65% |
| Q2 2025 | 12.45% |
| Q3 2025 | 11.97% |
| Q4 2025 | 11.69% |
| Q1 2026 | 11.81% |
| Q2 2026 | 11.84% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.45% |
| Q3 2024 | 0.47% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.39% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.39% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.23% |
| Q2 2025 | 0.24% |
| Q3 2025 | 0.27% |
| Q4 2025 | 0.32% |
| Q1 2026 | 0.41% |
| Q2 2026 | 0.37% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $4.6B | 11.84% | 0.39% | 0.37% | 87.4% |
| Q1 2026 | 70 | $4.5B | 11.81% | 0.37% | 0.41% | 82.9% |
| Q4 2025 | 68 | $4.6B | 11.69% | 0.44% | 0.32% | 82.3% |
| Q3 2025 | 69 | $4.4B | 11.97% | 0.41% | 0.27% | 81.3% |
| Q2 2025 | 70 | $4.2B | 12.45% | 0.45% | 0.24% | 81.8% |
| Q1 2025 | 72 | $4.2B | 12.65% | 0.39% | 0.23% | 81.4% |
| Q4 2024 | 73 | $4.1B | 12.85% | 0.51% | 0.56% | 83.7% |
| Q3 2024 | 68 | $4.8B | 10.92% | 0.47% | 0.55% | 82.6% |
| Q2 2024 | 69 | $4.6B | 11.34% | 0.45% | 0.50% | 83.3% |
454 peers · $1 billion – $10 billion
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).
Similar-size credit unions in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Langley Federal Credit UnionCredit union Newport News, VA | 54 out of 100, Below average | $5.6B | 9.3% | 1.32% | vs |
| Apple Federal Credit UnionCredit union Fairfax, VA | 76 out of 100, Strong | $5.7B | 10.9% | 0.56% | vs |
| Chartway Federal Credit UnionCredit union Virginia Beach, VA | 50 out of 100, Below average | $3.2B | 8.4% | 1.15% | vs |
| State Department Federal Credit UnionCredit union Alexandria, VA | 65 out of 100, Moderate | $2.9B | 10.8% | 0.86% | vs |
| Bayport Federal Credit UnionCredit union Newport News, VA | 69 out of 100, Moderate | $2.8B | 11.3% | 0.71% | vs |
| Dupont Community Credit UnionCredit union Waynesboro, VA | 76 out of 100, Strong | $2.1B | 10.9% | 0.33% | vs |
Deposit insurance
Is my money safe at Northwest Federal Credit Union?
Yes. Northwest Federal Credit Union is a federally insured credit union (NCUA charter #5500). 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 18.3% of shares and deposits ($638.5M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 11.84%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
12 locations
Branches
Northwest Federal Credit Union lists 12 offices in 9 cities across 2 states. Most locations:
- Herndon, VA (4)
- Arlington, VA (1)
- Ashburn, VA (1)
- Chantilly, VA (1)
- Gainesville, VA (1)
- Manassas, VA (1)
- McLean, VA (1)
- Rockville, MD (1)
- Vienna, VA (1)
HMDA 2025
Mortgage lending
In 2025, Northwest Federal Credit Union reported 2,001 home-loan applications under HMDA (LEI 549300OSZK2W0WJYS771): 1,248 originated ($233,260,000 total), 413 denied, and 259 withdrawn or closed by the applicant. Its denial rate on decided applications was 23.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Northwest Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5500
- RSSD ID
- 988975
- Primary regulator
- NCUA
- Established
- 1947
- Headquarters
- 200 Spring St, Herndon, VA 20170
- Employees
- 568
Quick answers
Northwest Federal Credit Union: common questions
Is Northwest Federal Credit Union NCUA insured?
Yes. Northwest Federal Credit Union is a federally insured credit union (NCUA charter #5500). 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 Northwest Federal Credit Union's TellerScore?
69 out of 100 (Moderate), 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 Northwest Federal Credit Union have?
12 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Herndon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Angelina County Teachers Credit UnionCredit union Lufkin, TX | 100 out of 100, Very strong | $12.9M | 18.4% | 0.04% | vs |
| Mount Pleasant Baptist Church Federal Credit UnionCredit union Alexandria, VA | 100 out of 100, Very strong | $370K | 17.4% | 0.00% | vs |
| Federation of Greene County Empl. Federal Credit UnionCredit union Eutaw, AL | 99 out of 100, Very strong | $2.2M | 23.1% | 0.08% | vs |
| Lee Federal Credit UnionCredit union Washington, DC | 99 out of 100, Very strong | $5.5M | 50.7% | 0.00% | vs |
| Christiansted Federal Credit UnionCredit union Christiansted, VI | 98 out of 100, Very strong | $34.0M | 20.6% | 0.23% | vs |
| Deer Lodge County School Emp Federal Credit UnionCredit union Anaconda, MT | 95 out of 100, Very strong | $9.7M | 13.7% | 0.00% | vs |