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
- NCUSIF 88/100
- CAMELS 8.2%
- HEALTH 0.79%
- NW 0.24%
- DELQ $2.52B
- ROA 163,285
- ASSETS #1,533/4,374
- MEM Atlanta Postal
- RANK 68576
Call Report peers
KITSAP in the assets neighbourhood
KITSAP's $2.52B assets sit next to Atlanta Postal ($2.52B) 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.
KITSAP 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
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
KITSAP - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68576. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for KITSAP
KITSAP: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $2.52B (2025Q4) to $2.52B (2026Q1).
- Net-worth ratio shifted +0.08 pp (8.12% → 8.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
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).
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
Two NCUA Call Report peer sets for KITSAP, 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 ($2.52B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 KITSAP financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, KITSAP carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,533 of 4,374; by total assets it ranks #209 of 4,374 nationally (same basis as /rankings/largest); and #12 of 75 within Washington. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.20% net worth ratio and a 0.79% delinquency rate.
How does KITSAP compare to other credit unions?
Five weighted metrics from NCUA filings produce KITSAP's 88/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like KITSAP 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. KITSAP's net worth ratio of 8.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does KITSAP offer compared to banks?
Credit unions like KITSAP 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 KITSAP 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.