State credit union · Shelton, Washington · NCUA charter #68609
Our Community
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $630.2M
- Total assets
- 31,636
- Members
- 12.4%
- Net-worth ratio
Our Community scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $630.2M; members 31,636; net-worth ratio 12.41%; health rank #1,645 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,645 of 4,374 health · 2025Q4Our Community · health 87/100 · $630.2M · 2025Q4
- PHOTO 87/100
- BOOK 12.4%
- CHARTER 0.36%
- NCUSIF 0.79%
- CAMELS $630.2M
- HEALTH 31,636
- NW #1,645/4,374
- DELQ ADVENTURE
- ROA 68609
Call Report peers
Our Community in the assets neighbourhood
Our Community's $630.2M assets sit next to ADVENTURE ($629.0M) 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.
Our Community 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
Our Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68609, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Our Community vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +1.23 pp (12.41% vs 11.18%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -42.20 pp (41.70% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Our Community in Washington
- Health composite ranks #36 of 75 among scored Washington credit unions.
- By total assets, Our Community is #25 of 75 in Washington.
- Member book place in Washington: #24 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.
Our Community Call Report trajectory
Our Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $630.2M (2025Q4) to $640.3M (2026Q1).
- Net-worth ratio shifted +0.09 pp (12.32% → 12.41%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 12.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA 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 6.8 pts
- Loan-to-Share Ratio 10.2 pts
Our Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.41% | +1.23 pp |
| Delinquency Rate | 0.36% | -0.51 pp |
| Return on Assets | 0.79% | +0.28 pp |
| Member Growth | -1.24% | - |
| Loan-to-Share Ratio | 41.70% | -42.20 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).
Call Report history - Our Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $640.3M | - |
| 2025Q4 | $630.2M | 31,636 |
| 2024Q4 | $613.3M | 32,034 |
| 2023Q4 | $594.9M | 31,596 |
Credit Union Details
- Charter Number
- 68609
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Shelton
- Data Quarter
- 2025Q4
Branch Locations (8)
The NCUA branch filing lists 8 physical offices for Our Community, spread across 7 cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Shelton, WA |
| Elma Branch | Elma, WA |
| McCleary Branch | McCleary, WA |
| Montesano Branch | Montesano, WA |
| Steamboat | Olympia, WA |
| Mt View Branch | Shelton, WA |
| Union Branch | Union, WA |
| Vashon Island Branch | Vashon, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Other-state peers near Our Community
Our Community's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($630.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Our Community ranks #1,645 of 4,374 nationally on financial health and #36 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- O Bee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with O Bee
- 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 Our Community financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Our Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,645 of 4,374; by total assets it ranks #662 of 4,374 nationally (same basis as /rankings/largest); and #25 of 75 within Washington. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.41% net worth ratio and 0.36% delinquency rate are the key drivers.
How does Our Community compare to other credit unions?
PlainCU's health composite puts Our Community at 87/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Our Community?
Membership eligibility for Our Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Our Community directly for current membership requirements and application steps.
Is my money safe at Our Community?
Federal credit unions like Our Community 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. Our Community's net worth ratio of 12.41% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Our Community offer compared to banks?
Credit unions like Our Community 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 Our Community 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.