TellerScore

Headquartered in Norton, Kansas, United Northwest Federal Credit Union is a federal credit union with $54.5M in total assets and $45.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1949.

United Northwest Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Kansas, it ranks 13th. Capital cushion contributes the most (100/100, 15.87%); earnings contributes the least (50/100, 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.87%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.35%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity100/100
Loans ÷ shares: 47.0% · 4.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.86%

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 (88 → 87).

TellerScore
848688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202485
Q4 202484
Q1 202584
Q2 202588
Q3 202588
Q4 202587
Q1 202684
Q2 202687
Net worth ratio
7.00%11.43%15.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.46%
Q3 202414.80%
Q4 202415.01%
Q1 202514.77%
Q2 202514.91%
Q3 202514.96%
Q4 202515.24%
Q1 202615.29%
Q2 202615.87%
Delinquent loans (60+ days)
0.09%0.29%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.24%
Q3 20240.31%
Q4 20240.38%
Q1 20250.49%
Q2 20250.09%
Q3 20250.14%
Q4 20250.14%
Q1 20260.35%
Q2 20260.35%
Return on assets
0.44%0.60%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.58%
Q3 20240.51%
Q4 20240.45%
Q1 20250.58%
Q2 20250.66%
Q3 20250.62%
Q4 20250.61%
Q1 20260.44%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$54.5M15.87%0.35%0.76%47.0%
Q1 202684$55.7M15.29%0.35%0.44%45.9%
Q4 202587$55.4M15.24%0.14%0.61%45.2%
Q3 202588$55.9M14.96%0.14%0.62%45.6%
Q2 202588$55.6M14.91%0.09%0.66%45.6%
Q1 202584$55.5M14.77%0.49%0.58%44.9%
Q4 202484$54.0M15.01%0.38%0.45%45.8%
Q3 202485$54.6M14.80%0.31%0.51%45.7%
Q2 202485$55.5M14.46%0.24%0.58%44.8%

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 ratio15.87%
60th
Problem loans0.35%
66th
Net charge-offs0.12%
56th
Return on assets0.76%
56th
Loans to deposits47.0%
68th
Uninsured deposits4.7%
23rd
Loan-loss reserves0.00%
37th
Texas ratio0.9%
68th

Similar-size credit unions in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Empower Blue Credit UnionCredit union Topeka, KS88 out of 100, Very strong$55.1M18.1%0.10%vs
Ark Valley Credit UnionCredit union Arkansas City, KS94 out of 100, Very strong$57.3M15.2%0.19%vs
Panhandle Federal Credit UnionCredit union Wellington, KS80 out of 100, Strong$62.5M16.5%0.24%vs
McPherson Co-Op Credit UnionCredit union McPherson, KS69 out of 100, Moderate$44.0M9.7%0.11%vs
B&v Credit UnionCredit union Overland Park, KS88 out of 100, Very strong$42.6M18.9%0.84%vs
Credit Union of EmporiaCredit union Emporia, KS90 out of 100, Very strong$42.1M15.3%0.56%vs

Deposit insurance

Is my money safe at United Northwest Federal Credit Union?

Yes. United Northwest Federal Credit Union is a federally insured credit union (NCUA charter #6214). 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 4.7% of shares and deposits ($2.1M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.87%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

United Northwest Federal Credit Union lists 2 offices in 2 cities. Most locations:

  • Norton, KS (1)
  • Oberlin, KS (1)

All branch addresses and map

Identity & history

Profile

Legal name
United Northwest Federal Credit Union
Type
Federal credit union
NCUA charter #
6214
RSSD ID
1011889
Primary regulator
NCUA
Established
1949
Headquarters
P.O. Box 176, Norton, KS 67654
Employees
16

Quick answers

United Northwest Federal Credit Union: common questions

Is United Northwest Federal Credit Union NCUA insured?

Yes. United Northwest Federal Credit Union is a federally insured credit union (NCUA charter #6214). 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 United Northwest Federal Credit Union's TellerScore?

87 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 United Northwest Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Norton

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers National BankBank Phillipsburg, KS91 out of 100, Very strong$172.5M19.6%0.41%vs
The First State BankBank Norton, KS90 out of 100, Very strong$493.2M13.1%0.10%vs
First State BankBank Farnam, NE79 out of 100, Strong$199.5M11.9%0.33%vs
Solutions North BankBank Stockton, KS77 out of 100, Strong$469.5M10.9%0.28%vs
Mid-America BankBank Baldwin City, KS76 out of 100, Strong$573.3M10.2%0.13%vs
First National Bank and TrustBank Phillipsburg, KS72 out of 100, Strong$322.2M14.7%1.87%vs