State credit union · BREMERTON, Washington · NCUA charter #68576
KITSAP
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $2.52B
- Total assets
- 163,285
- Members
- 8.2%
- Net-worth ratio
KITSAP scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.52B; members 163,285; net-worth ratio 8.20%; health rank #1,533 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,533 of 4,374 health · 2025Q4KITSAP · health 88/100 · $2.52B · 2025Q4
Call Report peers
KITSAP in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
KITSAP vs every NCUA-scored credit union
KITSAP sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
Peer-gap read for KITSAP
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +3.59 pp (87.49% vs 83.90%).
- Largest lag: Net Worth Ratio at 8.20% vs peer 11.18% (-2.98 pp).
Where KITSAP sits in Washington
- Washington health ordinal: #32 of 75.
- By total assets, KITSAP is #12 of 75 in Washington.
- Washington membership ordinal: #10 of 75.
- One place up in Washington, CHENEY (#31) ties at 88/100; one place down, Longshoremen's Local 4 (#33) scores 87/100, 1 point lower.
Quarter path for KITSAP
KITSAP: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $2.52B (2025Q4) to $2.52B (2026Q1).
- Net-worth ratio shifted +0.08 pp (8.12% → 8.20%).
At 8.20%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
KITSAP gives up 12 points in total. Net Worth Ratio costs the most, 4.5 of its 30; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 25.5 pts
- Delinquency Rate 22.1 pts
- Return on Assets 11.1 pts
- Member Growth 14.6 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.20% | -2.98 pp |
| Delinquency Rate | 0.79% | -0.09 pp |
| Return on Assets | 0.24% | -0.27 pp |
| Member Growth | 4.66% | - |
| Loan-to-Share Ratio | 87.49% | +3.59 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
KITSAP filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.52B | - |
| 2025Q4 | $2.52B | 163,285 |
| 2024Q4 | $2.32B | 156,018 |
| 2023Q4 | $2.37B | 160,169 |
Credit Union Details
- Charter Number
- 68576
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- BREMERTON
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for KITSAP, spread across 10 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Bremerton, WA |
| Belfair | Belfair, WA |
| Bremerton Drive-Up | Bremerton, WA |
| East Bremerton | Bremerton, WA |
| Harborside | Bremerton, WA |
| Puget Sound Naval Shipyard | Bremerton, WA |
| Gig Harbor Uptown | Gig Harbor, WA |
| Kingston | Kingston, WA |
| South Kitsap | Port Orchard, WA |
| Port Townsend | Port Townsend, WA |
| Poulsbo | Poulsbo, WA |
| Puyallup-176th and Meridian | Puyallup, WA |
| Puyallup South Hill | Puyallup, WA |
| Columbia Center | Seattle, WA |
| Silverdale Highlands | Silverdale, WA |
| NBK - Bangor | Silverdale, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- KITSAP ranks #1,533 of 4,374 nationally on financial health and #32 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Columbia Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Columbia Community
Frequently Asked Questions
Is KITSAP financially healthy?
On its 2025Q4 NCUA 5300 filing, KITSAP scores 88/100 (Excellent), with a 8.20% net worth ratio and 0.79% of loans delinquent. It ranks #1,533 of 4,374 nationally on health and #32 of 75 in Washington.
How does KITSAP compare to other credit unions?
KITSAP scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.49% vs 83.90%). Its widest shortfall is net worth ratio (8.20% vs 11.18%).
How can I join KITSAP?
Membership eligibility for KITSAP depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact KITSAP directly for current membership requirements and application steps.
Is my money safe at KITSAP?
KITSAP 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. KITSAP's net worth ratio of 8.20% 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.