State credit union · Bothell, Washington · NCUA charter #68223
QUALSTAR
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $902.1M
- Total assets
- 62,368
- Members
- 15.9%
- Net-worth ratio
QUALSTAR scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $902.1M; members 62,368; net-worth ratio 15.92%; health rank #3,157 of 4,374; healthier than 26th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,157 of 4,374 health · 2025Q4QUALSTAR · health 76/100 · $902.1M · 2025Q4
Call Report peers
QUALSTAR in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
QUALSTAR vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); QUALSTAR sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where QUALSTAR diverges from peer averages
- Net Worth Ratio leads the peer set - 15.92% here, 11.18% peer average (+4.74 pp).
- Largest lag: Loan-to-Share Ratio at 76.22% vs peer 83.90% (-7.68 pp).
QUALSTAR in Washington
- Washington health ordinal: #63 of 75.
- Assets rank #19 of 75 inside Washington ($902.1M reported).
- Member book place in Washington: #16 of 75.
- One place up in Washington, CALCOE (#62) scores 77/100, 1 point higher; one place down, CONNECTION (#64) ties at 76/100.
Quarter path for QUALSTAR
QUALSTAR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $902.1M (2025Q4) to $923.1M (2026Q1).
- Net-worth ratio shifted -0.01 pp (15.93% → 15.92%).
15.92% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
QUALSTAR gives up 24 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.2 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.92% | +4.74 pp |
| Delinquency Rate | 1.51% | +0.64 pp |
| Return on Assets | 1.00% | +0.49 pp |
| Member Growth | -7.43% | - |
| Loan-to-Share Ratio | 76.22% | -7.68 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $923.1M | - |
| 2025Q4 | $902.1M | 62,368 |
| 2024Q4 | $832.4M | 67,373 |
| 2023Q4 | $983.7M | 69,757 |
Credit Union Details
- Charter Number
- 68223
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Bothell
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for QUALSTAR, spread across 5 cities.
| Office | City |
|---|---|
| BOTHELL CORPORATE OFFICE (Main Office) | Bothell, WA |
| EVERETT BRANCH | Everett, WA |
| FEDERAL WAY - THE WOODSTONE BRANCH | Federal Way, WA |
| RENTON BRANCH | Renton, WA |
| TACOMA BRANCH | Tacoma, 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.
Cross-state Call Report peers for QUALSTAR
Using this data
- QUALSTAR ranks #3,157 of 4,374 nationally on financial health and #63 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOLARITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOLARITY
Frequently Asked Questions
Is QUALSTAR financially healthy?
QUALSTAR has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,157 of 4,374 nationally on health and #63 of 75 in Washington. Its net worth ratio is 15.92% and its delinquency rate 1.51%.
How does QUALSTAR compare to other credit unions?
QUALSTAR scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.92% vs 11.18%). Its widest shortfall is loan-to-share ratio (76.22% vs 83.90%).
How can I join QUALSTAR?
Membership eligibility for QUALSTAR depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact QUALSTAR directly for current membership requirements and application steps.
Is my money safe at QUALSTAR?
QUALSTAR 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. QUALSTAR's net worth ratio of 15.92% 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.