Federal credit union · Everett, Washington · NCUA charter #12847
Community Healthcare
Health score 74/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $20.3M
- Total assets
- 1,343
- Members
- 11.9%
- Net-worth ratio
Community Healthcare - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12847 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Community Healthcare - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)31
- Earnings (ROA)100
- Member growth54
- Liquidity (loan-to-share)86
Weighted composite: 74/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.85% | 30% |
| Delinquency Rate | 2.75% | 25% |
| Return on Assets | 1.38% | 15% |
| Member Growth | -0.52% | 15% |
| Loan-to-Share Ratio | 60.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $20.3M | 1,343 |
| 2024Q4 | $20.3M | 1,350 |
| 2023Q4 | $19.5M | 1,359 |
Credit Union Details
- Charter Number
- 12847
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Washington
- City
- Everett
- Data Quarter
- 2025Q4
What This Data Says About Community Healthcare
1,343 members and $20.3M in total assets sit behind Community Healthcare, a federal credit union in Everett, Washington, which posts a health score of 74/100 (Very Good) on the five-factor composite, with $10.6M in outstanding loans as of Q4 2025 and a net worth ratio of 11.85% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #12847 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
2.75% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 60.81% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.38% on net income of $280K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.52%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Community Healthcare financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Community Healthcare carries a financial health score of 74/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.85% net worth ratio and a 2.75% delinquency rate.
How does Community Healthcare compare to other credit unions?
On PlainCU's health composite, Community Healthcare lands at 74/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Community Healthcare?
Community Healthcare 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 Community Healthcare directly for the exact boundaries and application steps.
Is my money safe at Community Healthcare?
Federal credit unions like Community Healthcare 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. Community Healthcare's net worth ratio of 11.85% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Community Healthcare offer compared to banks?
Credit unions like Community Healthcare 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 Community Healthcare directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.