Federal credit union · Kent, Washington · NCUA charter #7748
CASCADE
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $375.8M
- Total assets
- 10,841
- Members
- 13.6%
- Net-worth ratio
CASCADE scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $375.8M; members 10,841; net-worth ratio 13.58%; health rank #3,648 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,648 of 4,374 health · 2025Q4CASCADE · health 69/100 · $375.8M · 2025Q4
- HEALTH 69/100
- NW 13.6%
- DELQ 0.99%
- ROA -1.01%
- ASSETS $375.8M
- MEM 10,841
- RANK #3,648/4,374
- PHOTO ABRI
- BOOK 7748
CASCADE in the assets neighbourhood
CASCADE's $375.8M assets sit next to ABRI ($375.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CASCADE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CASCADE - Share Insurance Coverage
Charter #7748's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
CASCADE: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.58% vs peer 12.11% (+1.47 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -22.23 pp (49.97% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
CASCADE: in-state Call Report ranks
- In Washington, health place is #71 of 75 on the same NCUA-ratio sort used nationally.
- Washington assets place: #28 of 75.
- Member book place in Washington: #33 of 75.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
CASCADE Call Report trajectory
CASCADE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $375.8M (2025Q4) to $380.2M (2026Q1).
- Net-worth ratio shifted +0.95 pp (12.63% → 13.58%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.1 pts
- Return on Assets 0.0 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 10.6 pts
Call Report ratios for CASCADE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.58% | +1.47 pp |
| Delinquency Rate | 0.99% | +0.10 pp |
| Return on Assets | -1.01% | -1.63 pp |
| Member Growth | -0.40% | - |
| Loan-to-Share Ratio | 49.97% | -22.23 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
CASCADE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $380.2M | - |
| 2025Q4 | $375.8M | 10,841 |
| 2024Q4 | $337.2M | 10,884 |
| 2023Q4 | $344.8M | 10,981 |
Credit Union Details
- Charter Number
- 7748
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Washington
- City
- Kent
- Data Quarter
- 2025Q4
Branch Locations (4)
CASCADE operates 4 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kent (Main Office) | Kent, WA |
| Everett | Everett, WA |
| Tacoma | Tacoma, WA |
| Vancouver | Vancouver, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Cross-state Call Report peers for CASCADE
Two NCUA Call Report peer sets for CASCADE, both outside Washington so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($375.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- CASCADE ranks #3,648 of 4,374 nationally on financial health and #71 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Industrial Cu of Whatcom County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Industrial Cu of Whatcom County
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CASCADE financially healthy?
CASCADE has a financial health score of 69/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,648 of 4,374; by total assets it ranks #904 of 4,374 nationally (same basis as /rankings/largest); and #28 of 75 within Washington. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.58% and delinquency rate of 0.99%.
How does CASCADE compare to other credit unions?
Five weighted metrics from NCUA filings produce CASCADE's 69/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join CASCADE?
CASCADE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CASCADE directly for the exact boundaries and application steps.
Is my money safe at CASCADE?
Federal credit unions like CASCADE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CASCADE's net worth ratio of 13.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CASCADE offer compared to banks?
Credit unions like CASCADE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CASCADE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.