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
- MEM 76/100
- RANK 15.9%
- PHOTO 1.51%
- BOOK 1.00%
- CHARTER $902.1M
- NCUSIF 62,368
- CAMELS #3,157/4,374
- HEALTH Community Choice
- NW 68223
Call Report peers
QUALSTAR in the assets neighbourhood
QUALSTAR's $902.1M assets sit next to Community Choice ($902.7M) 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.
QUALSTAR 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
76 26th percentile higher than 26% 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
QUALSTAR - Share Insurance Coverage
Charter #68223's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for QUALSTAR
QUALSTAR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $902.1M (2025Q4) to $923.1M (2026Q1).
- Net-worth ratio shifted -0.01 pp (15.93% → 15.92%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
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).
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
Cross-state asset and health neighbours for QUALSTAR - kept outside Washington; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($902.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- 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 QUALSTAR financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, QUALSTAR carries a financial health score of 76/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,157 of 4,374; by total assets it ranks #510 of 4,374 nationally (same basis as /rankings/largest); and #19 of 75 within Washington. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 15.92% net worth ratio and a 1.51% delinquency rate.
How does QUALSTAR compare to other credit unions?
Five weighted metrics from NCUA filings produce QUALSTAR's 76/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like QUALSTAR 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. QUALSTAR's net worth ratio of 15.92% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does QUALSTAR offer compared to banks?
Credit unions like QUALSTAR 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 QUALSTAR 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.