Federal credit union · Anacortes, Washington · NCUA charter #9145
Puget Sound Refinery
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $17.9M
- Total assets
- 1,117
- Members
- 15.5%
- Net-worth ratio
Puget Sound Refinery scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $17.9M; members 1,117; net-worth ratio 15.49%; health rank #2,946 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,946 of 4,374 health · 2025Q4Puget Sound Refinery · health 78/100 · $17.9M · 2025Q4
Call Report peers
Puget Sound Refinery in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Puget Sound Refinery vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Puget Sound Refinery sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Puget Sound Refinery
- Loan-to-Share Ratio leads the peer set - 69.37% here, 59.80% peer average (+9.57 pp).
- Delinquency Rate trails the peer set - 1.92% here, 1.15% peer average (+0.77 pp).
Where Puget Sound Refinery sits in Washington
- Health composite ranks #57 of 75 among scored Washington credit unions.
- Washington assets place: #71 of 75.
- Member book place in Washington: #71 of 75.
- One place up in Washington, WESTEDGE (#56) ties at 78/100; one place down, Tri-Cities Community (#58) ties at 78/100.
How Puget Sound Refinery's 5300 filing moved
Puget Sound Refinery: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.4% from $17.9M (2025Q4) to $17.4M (2026Q1).
- Net-worth ratio shifted +0.64 pp (14.85% → 15.49%).
At 15.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Puget Sound Refinery gives up 22 points in total. Delinquency Rate costs the most, 11.9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.1 pts
- Return on Assets 15.0 pts
- Member Growth 5.4 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for Puget Sound Refinery
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.49% | +0.63 pp |
| Delinquency Rate | 1.92% | +0.77 pp |
| Return on Assets | 1.19% | +0.48 pp |
| Member Growth | -2.02% | - |
| Loan-to-Share Ratio | 69.37% | +9.57 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Puget Sound Refinery filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $17.4M | - |
| 2025Q4 | $17.9M | 1,117 |
| 2024Q4 | $17.3M | 1,140 |
| 2023Q4 | $16.1M | 1,156 |
Credit Union Details
- Charter Number
- 9145
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Washington
- City
- Anacortes
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Puget Sound Refinery.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Anacortes, 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 Puget Sound Refinery
Similar total assets
Using this data
- Puget Sound Refinery ranks #2,946 of 4,374 nationally on financial health and #57 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spokane Media is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spokane Media
Frequently Asked Questions
Is Puget Sound Refinery financially healthy?
Puget Sound Refinery has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,946 of 4,374 nationally on health and #57 of 75 in Washington. Its net worth ratio is 15.49% and its delinquency rate 1.92%.
How does Puget Sound Refinery compare to other credit unions?
Puget Sound Refinery scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.37% vs 59.80%). Its widest shortfall is delinquency rate (1.92% vs 1.15%).
How can I join Puget Sound Refinery?
Puget Sound Refinery 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 Puget Sound Refinery directly for the exact boundaries and application steps.
Is my money safe at Puget Sound Refinery?
Puget Sound Refinery is a federal 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. Puget Sound Refinery's net worth ratio of 15.49% 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.