Sep, 30, 2025 — FREEDOM NORTHWEST CREDIT UNION is a federally insured state chartered credit union headquartered in KAMIAH, ID with 2 branch locations and about $645.93 million in total assets. Opened 63 years ago in 1963, FREEDOM NORTHWEST CREDIT UNION has about 12,767 members and employs 47 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FREEDOM NORTHWEST CREDIT UNION |
|---|---|
| Address: (Main Office) | 303 Main Street KAMIAH, ID 83536 |
| Phone: | (208) 935-0277 |
| Fax: | (208) 935-0067 |
| Website: | https://www.fnwcu.org |
| Branches: | 2 branch locations |
| Members: | 12,767 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 65722 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1963 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $645,929,815 |
| CEO/Manager: | Gregory S Garrett |
| Chairperson: | Kevin Steere |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 51,410,525 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 462,224,344 |
| Unsecured Loans | 2,245,308 |
| Other Loans | 71,401,403 |
| TOTAL LOANS | 535,871,053 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,423,716 |
| Land And Building | 7,258,495 |
| Other Fixed Assets | 1,488,409 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,225,351 |
| All Other Assets | 316,842 |
| TOTAL ASSETS | 645,929,815 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,064,105 |
| Notes & Interest Payable | 75,400,000 |
| Accounts Payable & Other Liabilities | 2,825,291 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 35,797,694 |
| Regular shares | 34,357,985 |
| All Other Shares & Deposits | 417,270,201 |
| TOTAL SHARES & DEPOSITS | 487,425,879 |
| TOTAL LIABILITIES | 566,814,329 |
| Regular Reserve | 0 |
| Other Reserves | -774,117 |
| Undivided Earnings | 79,889,603 |
| TOTAL EQUITY | 79,115,486 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 645,929,815 |
| INCOME & EXPENSE | |
| Loan Income | 28,149,962 |
| Investment Income | 2,605,430 |
| Other Income | 2,083,833 |
| Total Employee Compensation & Benefits | 4,678,076 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,173,356 |
| Non-operating Income & (Expense) | -1,750 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 427,000 |
| Cost of Funds | 14,832,182 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 10,561,991 |
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