State credit union · Bellingham, Washington · NCUA charter #66337
Industrial Cu of Whatcom County
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $388.4M
- Total assets
- 33,218
- Members
- 11.8%
- Net-worth ratio
Industrial Cu of Whatcom County scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $388.4M; members 33,218; net-worth ratio 11.77%; health rank #2,747 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,747 of 4,374 health · 2025Q4Industrial Cu · health 80/100 · $388.4M · 2025Q4
- CHARTER 80/100
- NCUSIF 11.8%
- CAMELS 0.65%
- HEALTH 0.24%
- NW $388.4M
- DELQ 33,218
- ROA #2,747/4,374
- ASSETS SKYWARD
- MEM 66337
Call Report peers
Industrial Cu of Whatcom County in the assets neighbourhood
Industrial Cu of Whatcom County's $388.4M assets sit next to SKYWARD ($387.3M) 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.
Industrial Cu of Whatcom County 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
80 36th percentile higher than 36% 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
Industrial Cu of Whatcom County - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66337: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Industrial Cu of Whatcom County
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +4.18 pp (76.38% vs 72.20%).
- Return on Assets trails the peer set - 0.24% here, 0.62% peer average (-0.38 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Industrial Cu of Whatcom County in Washington
- In Washington, health place is #50 of 75 on the same NCUA-ratio sort used nationally.
- Assets rank #27 of 75 inside Washington ($388.4M reported).
- Washington membership ordinal: #23 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.
How Industrial Cu of Whatcom County's 5300 filing moved
Industrial Cu of Whatcom County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $388.4M (2025Q4) to $395.1M (2026Q1).
- Net-worth ratio shifted -0.13 pp (11.90% → 11.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.5 pts
- Return on Assets 11.1 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Industrial Cu health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.77% | -0.34 pp |
| Delinquency Rate | 0.65% | -0.25 pp |
| Return on Assets | 0.24% | -0.38 pp |
| Member Growth | -11.20% | - |
| Loan-to-Share Ratio | 76.38% | +4.18 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).
Industrial Cu filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $395.1M | - |
| 2025Q4 | $388.4M | 33,218 |
| 2024Q4 | $389.6M | 37,409 |
| 2023Q4 | $380.3M | 36,736 |
Credit Union Details
- Charter Number
- 66337
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Washington
- City
- Bellingham
- Data Quarter
- 2025Q4
Branch Locations (6)
Industrial Cu of Whatcom County operates 6 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| State Street (Main Office) | Bellingham, WA |
| Northwest Avenue | Bellingham, WA |
| Safeway | Bellingham, WA |
| Nugents Corner | Everson, WA |
| Ferndale | Ferndale, WA |
| Lynden | Lynden, 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.
Other-state peers near Industrial Cu of Whatcom County
Two NCUA Call Report peer sets for Industrial Cu of Whatcom County, 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 ($388.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Industrial Cu of Whatcom County ranks #2,747 of 4,374 nationally on financial health and #50 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CASCADE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CASCADE
- 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 Industrial Cu of Whatcom County financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - Industrial Cu of Whatcom County's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,747 of 4,374; by total assets it ranks #884 of 4,374 nationally (same basis as /rankings/largest); and #27 of 75 within Washington. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.77% net worth ratio and 0.65% delinquency rate are the key drivers.
How does Industrial Cu of Whatcom County compare to other credit unions?
Industrial Cu of Whatcom County scores 80/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Industrial Cu of Whatcom County?
Membership eligibility for Industrial Cu of Whatcom County depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Industrial Cu of Whatcom County directly for current membership requirements and application steps.
Is my money safe at Industrial Cu of Whatcom County?
Federal credit unions like Industrial Cu of Whatcom County 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. Industrial Cu of Whatcom County's net worth ratio of 11.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Industrial Cu of Whatcom County offer compared to banks?
Credit unions like Industrial Cu of Whatcom County 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 Industrial Cu of Whatcom County 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.