Federal credit union · Vancouver, Washington · NCUA charter #10799
Longshoremen's Local 4
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $37.3M
- Total assets
- 1,014
- Members
- 23.0%
- Net-worth ratio
Longshoremen's Local 4 scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.3M; members 1,014; net-worth ratio 23.03%; health rank #1,549 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,549 of 4,374 health · 2025Q4Longshoremen's Local 4 · health 87/100 · $37.3M · 2025Q4
- BOOK 87/100
- CHARTER 23.0%
- NCUSIF 0.35%
- CAMELS 1.92%
- HEALTH $37.3M
- NW 1,014
- DELQ #1,549/4,374
- ROA Lawrence Memorial Hospital Employee
- ASSETS 10799
Call Report peers
Longshoremen's Local 4 in the assets neighbourhood
Longshoremen's Local 4's $37.3M assets sit next to Lawrence Memorial Hospital Employee ($37.2M) 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.
Longshoremen's Local 4 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
87 Top 40% higher than 60% 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
Longshoremen's Local 4 - Share Insurance Coverage
Charter #10799's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Longshoremen's Local 4 vs $10M–$50M peers
- Net Worth Ratio leads the peer set - 23.03% here, 14.86% peer average (+8.17 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Longshoremen's Local 4 in Washington
- Washington health ordinal: #33 of 75.
- Assets rank #64 of 75 inside Washington ($37.3M reported).
- Membership ranks #72 of 75 among Washington CUs with a reported count (1,014 members).
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Longshoremen's Local 4 Call Report trajectory
Longshoremen's Local 4: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.3% from $37.3M (2025Q4) to $40.0M (2026Q1).
- Net-worth ratio shifted -1.27 pp (24.30% → 23.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 23.03% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.3 pts
- Loan-to-Share Ratio 13.7 pts
Longshoremen's Local 4 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.03% | +8.17 pp |
| Delinquency Rate | 0.35% | -0.79 pp |
| Return on Assets | 1.92% | +1.21 pp |
| Member Growth | -3.15% | - |
| Loan-to-Share Ratio | 64.10% | +4.30 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Longshoremen's Local 4
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.0M | - |
| 2025Q4 | $37.3M | 1,014 |
| 2024Q4 | $39.4M | 1,047 |
| 2023Q4 | $39.7M | 1,051 |
Credit Union Details
- Charter Number
- 10799
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- Washington
- City
- Vancouver
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Longshoremen's Local 4 runs one office.
| Office | City |
|---|---|
| Longshoremen's Local 4 FCU (Main Office) | Vancouver, 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
Cross-state asset and health neighbours for Longshoremen's Local 4 - kept outside Washington; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Longshoremen's Local 4 ranks #1,549 of 4,374 nationally on financial health and #33 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONNECTION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONNECTION
- 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 Longshoremen's Local 4 financially healthy?
Longshoremen's Local 4 scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,549 of 4,374; by total assets it ranks #2,671 of 4,374 nationally (same basis as /rankings/largest); and #64 of 75 within Washington. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 23.03% net worth ratio and a 0.35% delinquency rate.
How does Longshoremen's Local 4 compare to other credit unions?
87/100 is Longshoremen's Local 4's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Longshoremen's Local 4?
Longshoremen's Local 4 operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Longshoremen's Local 4 directly for the exact boundaries and application steps.
Is my money safe at Longshoremen's Local 4?
Federal credit unions like Longshoremen's Local 4 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. Longshoremen's Local 4's net worth ratio of 23.03% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Longshoremen's Local 4 offer compared to banks?
Credit unions like Longshoremen's Local 4 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 Longshoremen's Local 4 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.