State credit union · BREMERTON, Washington · NCUA charter #68576
Kitsap
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $2.52B
- Total assets
- 163,285
- Members
- 7.9%
- Net-worth ratio
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.
Kitsap - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)82
- Asset quality (delinquency)89
- Earnings (ROA)74
- Member growth97
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.88%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.88% | 30% |
| Delinquency Rate | 0.79% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | 4.66% | 15% |
| Loan-to-Share Ratio | 87.49% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Kitsap
The five-factor composite scores Kitsap at 88/100 (Excellent), reflecting a net worth ratio of 7.88% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in BREMERTON, Washington, reports 163,285 members, $2.52B in total assets, and $1.96B in outstanding loans as of Q4 2025 under charter #68576 (peer group Over $500M, a cohort of 749 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.79% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. The loan-to-share ratio of 87.49% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.24% on net income of $6.0M 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 4.66%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
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 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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.88% 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 7.88% 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.
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.