State credit union · Vancouver, Washington · NCUA charter #60438
IQ
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $2.16B
- Total assets
- 104,584
- Members
- 11.0%
- Net-worth ratio
IQ scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.16B; members 104,584; net-worth ratio 10.99%; health rank #806 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#806 of 4,374 health · 2025Q4IQ · health 92/100 · $2.16B · 2025Q4
Call Report peers
IQ in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
IQ vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); IQ 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
Where IQ diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 86.76% vs peer 83.90% (+2.86 pp).
- Widest shortfall vs peers is Net Worth Ratio: -0.19 pp (10.99% vs 11.18%).
IQ: in-state Call Report ranks
- Washington health ordinal: #16 of 75.
- Washington assets place: #13 of 75.
- Washington membership ordinal: #15 of 75.
- One place up in Washington, FIBRE (#15) ties at 92/100; one place down, HARBORSTONE (#17) ties at 92/100.
IQ Call Report trajectory
IQ: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $2.16B (2025Q4) to $2.20B (2026Q1).
- Net-worth ratio shifted +0.17 pp (10.82% → 10.99%).
10.99% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
IQ gives up 8 points in total. Member Growth costs the most, 5.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 14.5 pts
IQ health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.99% | -0.19 pp |
| Delinquency Rate | 0.74% | -0.14 pp |
| Return on Assets | 0.98% | +0.47 pp |
| Member Growth | 0.72% | - |
| Loan-to-Share Ratio | 86.76% | +2.86 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.20B | - |
| 2025Q4 | $2.16B | 104,584 |
| 2024Q4 | $2.01B | 103,840 |
| 2023Q4 | $2.06B | 104,371 |
Credit Union Details
- Charter Number
- 60438
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Vancouver
- Data Quarter
- 2025Q4
Branch Locations (25)
Per its most recent NCUA branch filing, IQ runs 25 offices in 10 different cities across 2 states.
| Office | City |
|---|---|
| Headquarters (Main Office) | Vancouver, WA |
| Battle Ground Branch | Battle Ground, WA |
| Battle Ground High School Campus Branch | Battle Ground, WA |
| Union High School Campus Branch | Camas, WA |
| 192nd Financial Center | Camas, WA |
| Camas Branch | Camas, WA |
| Happy Valley Branch | Happy Valley, OR |
| Williams Branch | Portland, OR |
| St Johns Branch | Portland, OR |
| Ridgefield branch | Ridgefield, WA |
| Sherwood Branch | Sherwood, OR |
| Stevenson Branch | Stevenson, WA |
| Vancouver Mall Branch | Vancouver, WA |
| Fishers Landing Branch | Vancouver, WA |
| Salmon Creek Branch | Vancouver, WA |
| Skyview High School Campus Branch | Vancouver, WA |
| Evergreen High School Campus Branch | Vancouver, WA |
| Hazel Dell Branch | Vancouver, WA |
| Sifton Branch | Vancouver, WA |
| Cascade Branch | Vancouver, WA |
| Mt. View High School Campus Branch | Vancouver, WA |
| Heritage High School Campus Branch | Vancouver, WA |
| Prairie High School Campus branch | Vancouver, WA |
| Washougal Branch | Washougal, WA |
| Woodland High School Campus branch | Woodland, 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.
Cross-state Call Report peers for IQ
Using this data
- IQ ranks #806 of 4,374 nationally on financial health and #16 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HORIZON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HORIZON
Frequently Asked Questions
Is IQ financially healthy?
IQ has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #806 of 4,374 nationally on health and #16 of 75 in Washington. Its net worth ratio is 10.99% and its delinquency rate 0.74%.
How does IQ compare to other credit unions?
IQ 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 (86.76% vs 83.90%). Its widest shortfall is net worth ratio (10.99% vs 11.18%).
How can I join IQ?
Membership eligibility for IQ depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact IQ directly for current membership requirements and application steps.
Is my money safe at IQ?
IQ 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. IQ's net worth ratio of 10.99% 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.