State credit union · TACOMA, Washington · NCUA charter #66399
HARBORSTONE
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $3.07B
- Total assets
- 119,906
- Members
- 9.6%
- Net-worth ratio
HARBORSTONE scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.07B; members 119,906; net-worth ratio 9.60%; health rank #845 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#845 of 4,374 health · 2025Q4HARBORSTONE · health 92/100 · $3.07B · 2025Q4
Call Report peers
HARBORSTONE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HARBORSTONE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HARBORSTONE sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
HARBORSTONE: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 89.49% here, 83.90% peer average (+5.59 pp).
- Largest lag: Net Worth Ratio at 9.60% vs peer 11.18% (-1.58 pp).
HARBORSTONE in Washington
- In Washington, health place is #17 of 75 on the same NCUA-ratio sort used nationally.
- Washington assets place: #9 of 75.
- Membership ranks #12 of 75 among Washington CUs with a reported count (119,906 members).
- One place up in Washington, IQ (#16) ties at 92/100; one place down, North Coast (#18) scores 91/100, 1 point lower.
HARBORSTONE: 2025Q4 → 2026Q1
HARBORSTONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.8% from $3.07B (2025Q4) to $3.05B (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.50% → 9.60%).
This credit union's 9.60% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
HARBORSTONE gives up 8 points in total. Delinquency Rate costs the most, 5.3 of its 25; Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 13.4 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.9 pts
HARBORSTONE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.60% | -1.58 pp |
| Delinquency Rate | 1.04% | +0.16 pp |
| Return on Assets | 0.40% | -0.11 pp |
| Member Growth | 29.54% | - |
| Loan-to-Share Ratio | 89.49% | +5.59 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.05B | - |
| 2025Q4 | $3.07B | 119,906 |
| 2024Q4 | $2.11B | 92,561 |
| 2023Q4 | $1.91B | 88,207 |
Credit Union Details
- Charter Number
- 66399
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- TACOMA
- Data Quarter
- 2025Q4
Branch Locations (32)
Per its most recent NCUA branch filing, HARBORSTONE runs 32 offices in 26 different cities.
| Office | City |
|---|---|
| Administrative Office (Main Office) | Lakewood, WA |
| Anacortes | Anacortes, WA |
| Barkley Loan Production Office | Bellingham, WA |
| Belligham | Bellingham, WA |
| Bonney Lake Branch | Bonney Lake, WA |
| Bothell Branch | Bothell, WA |
| Burlington | Burlington, WA |
| Concrete | Concrete, WA |
| Dupont | Dupont, WA |
| Federal Way Branch | Federal Way, WA |
| Freeland | Freeland, WA |
| Friday Harbor | Friday Harbor, WA |
| Gig Harbor | Gig Harbor, WA |
| Issaquah Branch | Issaquah, WA |
| McChord Branch | Joint Base Lewis McChord, WA |
| Kent Station | Kent, WA |
| Hawks Prairie | Lacey, WA |
| Lakewood Branch | Lakewood, WA |
| Lynnwood | Lynnwood, WA |
| Mt Vernon Blackburn | Mount Vernon, WA |
| Mt Vernon College Way | Mount Vernon, WA |
| Oak Harbor | Oak Harbor, WA |
| Olympia | Olympia, WA |
| South Hill Branch | Puyallup, WA |
| 5th & Jefferson Branch | Seattle, WA |
| Sedro Woolley | Sedro Woolley, WA |
| Spanaway Branch | Spanaway, WA |
| 74th Street Branch | Tacoma, WA |
| Center Street Branch | Tacoma, WA |
| Tacoma | Tacoma, WA |
| Tukwila Branch | Tukwila, WA |
| South Seattle | Tukwila, 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.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- HARBORSTONE ranks #845 of 4,374 nationally on financial health and #17 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hapo Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hapo Community
Frequently Asked Questions
Is HARBORSTONE financially healthy?
HARBORSTONE has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #845 of 4,374 nationally on health and #17 of 75 in Washington. Its net worth ratio is 9.60% and its delinquency rate 1.04%.
How does HARBORSTONE compare to other credit unions?
HARBORSTONE scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.49% vs 83.90%). Its widest shortfall is net worth ratio (9.60% vs 11.18%).
How can I join HARBORSTONE?
Membership eligibility for HARBORSTONE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HARBORSTONE directly for current membership requirements and application steps.
Is my money safe at HARBORSTONE?
HARBORSTONE is a state-chartered credit union; its shares are federally 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. HARBORSTONE's net worth ratio of 9.60% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.