State credit union · Bellingham, Washington · NCUA charter #66337
Industrial Cu of Whatcom County
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $388.4M
- Total assets
- 33,218
- Members
- 8.1%
- Net-worth ratio
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.
Industrial Cu of Whatcom County - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)84
- Asset quality (delinquency)94
- Earnings (ROA)74
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.07% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.07% | 30% |
| Delinquency Rate | 0.65% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | -11.20% | 15% |
| Loan-to-Share Ratio | 76.38% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Industrial Cu of Whatcom County
The five-factor composite scores Industrial Cu of Whatcom County at 75/100 (Very Good), reflecting a net worth ratio of 8.07% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Bellingham, Washington, reports 33,218 members, $388.4M in total assets, and $257.9M in outstanding loans as of Q4 2025 under charter #66337 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
On loan book quality: 0.65% of loans are 60+ days past due against the total loan book - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Meanwhile a 76.38% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.24% on net income of $931K 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 -11.20%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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 Industrial Cu of Whatcom County financially healthy?
Yes/no aside, the number is 75/100 (Very Good) - Industrial Cu of Whatcom County's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.07% 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 75/100 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 8.07% 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.
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.