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
- NCUSIF 92/100
- CAMELS 9.6%
- HEALTH 1.04%
- NW 0.40%
- DELQ $3.07B
- ROA 119,906
- ASSETS #845/4,374
- MEM Achieva Credit Union
- RANK 66399
Call Report peers
HARBORSTONE in the assets neighbourhood
HARBORSTONE's $3.07B assets sit next to Achieva Credit Union ($3.07B) 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.
HARBORSTONE 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
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66399. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HARBORSTONE: 2025Q4 → 2026Q1
HARBORSTONE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.8% from $3.07B (2025Q4) to $3.05B (2026Q1).
- Net-worth ratio shifted +0.10 pp (9.50% → 9.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
HARBORSTONE's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.07B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 HARBORSTONE financially healthy?
HARBORSTONE scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #845 of 4,374; by total assets it ranks #160 of 4,374 nationally (same basis as /rankings/largest); and #9 of 75 within Washington. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.60% net worth ratio and a 1.04% delinquency rate.
How does HARBORSTONE compare to other credit unions?
On PlainCU's health composite, HARBORSTONE lands at 92/100, compared to a peer group average for Over $500M 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 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?
Federal credit unions like HARBORSTONE 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. HARBORSTONE's net worth ratio of 9.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HARBORSTONE offer compared to banks?
Credit unions like HARBORSTONE 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 HARBORSTONE 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.