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
- ROA 78/100
- ASSETS 15.5%
- MEM 1.92%
- RANK 1.19%
- PHOTO $17.9M
- BOOK 1,117
- CHARTER #2,946/4,374
- NCUSIF The Family First
- CAMELS 9145
Call Report peers
Puget Sound Refinery in the assets neighbourhood
Puget Sound Refinery's $17.9M assets sit next to The Family First ($17.9M) 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.
Puget Sound Refinery 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
78 31st percentile higher than 31% 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
Puget Sound Refinery - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9145, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Puget Sound Refinery's 5300 filing moved
Puget Sound Refinery: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.4% from $17.9M (2025Q4) to $17.4M (2026Q1).
- Net-worth ratio shifted +0.64 pp (14.85% → 15.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Puget Sound Refinery - kept outside Washington; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($17.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
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
- 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 Puget Sound Refinery financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Puget Sound Refinery carries a financial health score of 78/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,946 of 4,374; by total assets it ranks #3,217 of 4,374 nationally (same basis as /rankings/largest); and #71 of 75 within Washington. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 15.49% net worth ratio and a 1.92% delinquency rate.
How does Puget Sound Refinery compare to other credit unions?
78/100 is Puget Sound Refinery's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Puget Sound Refinery 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. Puget Sound Refinery's net worth ratio of 15.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Puget Sound Refinery offer compared to banks?
Credit unions like Puget Sound Refinery 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 Puget Sound Refinery 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.