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
- NCUSIF 92/100
- CAMELS 11.0%
- HEALTH 0.74%
- NW 0.98%
- DELQ $2.16B
- ROA 104,584
- ASSETS #806/4,374
- MEM WESTCONSIN
- RANK 60438
Call Report peers
IQ in the assets neighbourhood
IQ's $2.16B assets sit next to WESTCONSIN ($2.16B) 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.
IQ 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
IQ - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60438: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
IQ: in-state Call Report ranks
- Washington health ordinal: #16 of 75.
- Washington assets place: #13 of 75.
- Washington membership ordinal: #15 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.
IQ Call Report trajectory
IQ: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $2.16B (2025Q4) to $2.20B (2026Q1).
- Net-worth ratio shifted +0.17 pp (10.82% → 10.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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 | $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
Two NCUA Call Report peer sets for IQ, 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 ($2.16B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- 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 IQ financially healthy?
Yes/no aside, the number is 92/100 (Excellent) - IQ'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 #806 of 4,374; by total assets it ranks #241 of 4,374 nationally (same basis as /rankings/largest); and #13 of 75 within Washington. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.99% net worth ratio and 0.74% delinquency rate are the key drivers.
How does IQ compare to other credit unions?
On PlainCU's health composite, IQ 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 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?
Federal credit unions like IQ 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. IQ's net worth ratio of 10.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does IQ offer compared to banks?
Credit unions like IQ 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 IQ 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.