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
Call Report peers
Our Community in the assets neighbourhood
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
Our Community sits in the busiest band, 85-89, alongside 857 other credit unions.
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 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%).
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.
- One place up in Washington, Blue Mountain (#35) ties at 87/100; one place down, PUD (#37) scores 86/100, 1 point lower.
Our Community Call Report trajectory
Our Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $630.2M (2025Q4) to $640.3M (2026Q1).
- Net-worth ratio shifted +0.09 pp (12.32% → 12.41%).
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
Our Community gives up 13 points in total. Member Growth costs the most, 8.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Our Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Our Community scores 87/100 (Excellent), with a 12.41% net worth ratio and 0.36% of loans delinquent. It ranks #1,645 of 4,374 nationally on health and #36 of 75 in Washington.
How does Our Community compare to other credit unions?
Our Community scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.41% vs 11.18%). Its widest shortfall is loan-to-share ratio (41.70% vs 83.90%).
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?
Our Community 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. Our Community's net worth ratio of 12.41% 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.