State credit union · Lacey, Washington · NCUA charter #60059
O Bee
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $651.8M
- Total assets
- 35,622
- Members
- 8.7%
- Net-worth ratio
O Bee scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $651.8M; members 35,622; net-worth ratio 8.68%; health rank #2,348 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,348 of 4,374 health · 2025Q4O Bee · health 83/100 · $651.8M · 2025Q4
Call Report peers
O Bee in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
O Bee vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); O Bee sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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
O Bee: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +20.38 pp (104.28% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -2.50 pp (8.68% vs 11.18%).
Washington standing for O Bee
- In Washington, health place is #45 of 75 on the same NCUA-ratio sort used nationally.
- Washington assets place: #24 of 75.
- Washington membership ordinal: #21 of 75.
- One place up in Washington, Washington State Employees (#44) ties at 83/100; one place down, CANOPY (#46) scores 82/100, 1 point lower.
How O Bee's 5300 filing moved
O Bee: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $651.8M (2025Q4) to $667.1M (2026Q1).
- Net-worth ratio shifted +0.06 pp (8.62% → 8.68%).
This credit union's 8.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
O Bee gives up 17 points in total. Loan-to-Share Ratio costs the most, 6.1 of its 15; Return on Assets loses the least, 1.9.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 22.4 pts
- Return on Assets 13.1 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 8.8 pts
O Bee health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.68% | -2.50 pp |
| Delinquency Rate | 0.76% | -0.11 pp |
| Return on Assets | 0.37% | -0.14 pp |
| Member Growth | 2.48% | - |
| Loan-to-Share Ratio | 104.28% | +20.38 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
O Bee filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $667.1M | - |
| 2025Q4 | $651.8M | 35,622 |
| 2024Q4 | $623.3M | 34,761 |
| 2023Q4 | $602.9M | 33,802 |
Credit Union Details
- Charter Number
- 60059
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Lacey
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for O Bee, spread across 7 cities.
| Office | City |
|---|---|
| Administrative building (Main Office) | Lacey, WA |
| LACEY | LACEY, WA |
| WEST OLYMPIA | Olympia, WA |
| Fern Hill | Tacoma, WA |
| TENINO | TENINO, WA |
| TUMWATER | TUMWATER, WA |
| YELM | Yelm, 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.
Other-state peers near O Bee
Using this data
- O Bee ranks #2,348 of 4,374 nationally on financial health and #45 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Our Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Our Community
Frequently Asked Questions
Is O Bee financially healthy?
O Bee has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,348 of 4,374 nationally on health and #45 of 75 in Washington. Its net worth ratio is 8.68% and its delinquency rate 0.76%.
How does O Bee compare to other credit unions?
O Bee scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (104.28% vs 83.90%). Its widest shortfall is net worth ratio (8.68% vs 11.18%).
How can I join O Bee?
Membership eligibility for O Bee depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact O Bee directly for current membership requirements and application steps.
Is my money safe at O Bee?
O Bee 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. O Bee's net worth ratio of 8.68% 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.