State credit union · Bellingham, Washington · NCUA charter #66734
North Coast
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $420.8M
- Total assets
- 20,380
- Members
- 13.4%
- Net-worth ratio
North Coast scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $420.8M; members 20,380; net-worth ratio 13.41%; health rank #925 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#925 of 4,374 health · 2025Q4North Coast · health 91/100 · $420.8M · 2025Q4
Call Report peers
North Coast in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
North Coast vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); North Coast sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
North Coast: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 13.41% here, 12.11% peer average (+1.30 pp).
North Coast: in-state Call Report ranks
- In Washington, health place is #18 of 75 on the same NCUA-ratio sort used nationally.
- By total assets, North Coast is #26 of 75 in Washington.
- Washington membership ordinal: #28 of 75.
- One place up in Washington, HARBORSTONE (#17) scores 92/100, 1 point higher; one place down, Northwest Plus (#19) ties at 91/100.
Quarter path for North Coast
North Coast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $420.8M (2025Q4) to $429.7M (2026Q1).
- Net-worth ratio shifted -0.16 pp (13.57% → 13.41%).
This credit union's 13.41% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 91/100 score is built
North Coast gives up 9 points in total. Member Growth costs the most, 8.6 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.4 pts
- Loan-to-Share Ratio 15.2 pts
North Coast vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.41% | +1.30 pp |
| Delinquency Rate | 0.56% | -0.33 pp |
| Return on Assets | 0.99% | +0.37 pp |
| Member Growth | -1.43% | - |
| Loan-to-Share Ratio | 72.23% | +0.03 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
North Coast quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $429.7M | - |
| 2025Q4 | $420.8M | 20,380 |
| 2024Q4 | $381.5M | 20,676 |
| 2023Q4 | $353.9M | 20,992 |
Credit Union Details
- Charter Number
- 66734
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Washington
- City
- Bellingham
- Data Quarter
- 2025Q4
Branch Locations (5)
North Coast operates 5 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Bellingham Branch (Main Office) | Bellingham, WA |
| Anacortes Branch | Anacortes, WA |
| Ferndale Branch | Ferndale, WA |
| Mount Vernon Branch | Mount Vernon, WA |
| Sedro-Woolley Branch | Sedro Woolley, 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.
North Coast nationwide neighbourhoods
Using this data
- North Coast ranks #925 of 4,374 nationally on financial health and #18 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Industrial Cu of Whatcom County is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Industrial Cu of Whatcom County
Frequently Asked Questions
Is North Coast financially healthy?
North Coast has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #925 of 4,374 nationally on health and #18 of 75 in Washington. Its net worth ratio is 13.41% and its delinquency rate 0.56%.
How does North Coast compare to other credit unions?
North Coast scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.41% vs 12.11%).
How can I join North Coast?
Membership eligibility for North Coast depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact North Coast directly for current membership requirements and application steps.
Is my money safe at North Coast?
North Coast 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. North Coast's net worth ratio of 13.41% 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.