State credit union · Tacoma, Washington · NCUA charter #66331
SOUND
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $3.34B
- Total assets
- 177,657
- Members
- 10.6%
- Net-worth ratio
SOUND scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.34B; members 177,657; net-worth ratio 10.60%; health rank #1,488 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,488 of 4,374 health · 2025Q4SOUND · health 88/100 · $3.34B · 2025Q4
Call Report peers
SOUND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SOUND vs every NCUA-scored credit union
SOUND sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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 SOUND
- Largest favorable gap: Loan-to-Share Ratio at 90.36% vs peer 83.90% (+6.46 pp).
- Largest lag: Delinquency Rate at 1.72% vs peer 0.87% (+0.84 pp).
SOUND in Washington
- Washington health ordinal: #30 of 75.
- Assets rank #7 of 75 inside Washington ($3.34B reported).
- Member book place in Washington: #7 of 75.
- One place up in Washington, MOUNTAINCREST (#29) ties at 88/100; one place down, CHENEY (#31) ties at 88/100.
SOUND Call Report trajectory
SOUND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.3% from $3.34B (2025Q4) to $3.45B (2026Q1).
- Net-worth ratio shifted -0.14 pp (10.74% → 10.60%).
10.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
SOUND gives up 12 points in total. Delinquency Rate costs the most, 10.4 of its 25; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.6 pts
- Return on Assets 14.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.60% | -0.58 pp |
| Delinquency Rate | 1.72% | +0.84 pp |
| Return on Assets | 0.43% | -0.08 pp |
| Member Growth | 6.11% | - |
| Loan-to-Share Ratio | 90.36% | +6.46 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.45B | - |
| 2025Q4 | $3.34B | 177,657 |
| 2024Q4 | $3.16B | 167,423 |
| 2023Q4 | $2.91B | 172,367 |
Credit Union Details
- Charter Number
- 66331
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Tacoma
- Data Quarter
- 2025Q4
Branch Locations (28)
Per its most recent NCUA branch filing, SOUND runs 28 offices in 20 different cities.
| Office | City |
|---|---|
| Downtown Tacoma Branch (Main Office) | Tacoma, WA |
| Auburn Branch | Auburn, WA |
| Bellevue Branch | Bellevue, WA |
| Bonney Lake | Bonney Lake, WA |
| Bothell | Bothell, WA |
| Burien Branch | Burien, WA |
| Edmonds Branch | Edmonds, WA |
| Everett Branch | Everett, WA |
| Federal Way Branch | Federal Way, WA |
| Gig Harbor Branch | Gig Harbor, WA |
| Kent Branch | Kent, WA |
| Key Center Branch | Lakebay, WA |
| Lakewood Branch | Lakewood, WA |
| Lynnwood Branch | Lynnwood, WA |
| Alderwood | Lynnwood, WA |
| Mukilteo Branch | Mukilteo, WA |
| Olympia Branch | Olympia, WA |
| Downtown Olympia | Olympia, WA |
| Puyallup Branch | Puyallup, WA |
| Graham | Puyallup, WA |
| Redmond Branch | Redmond, WA |
| Shoreline Branch | Shoreline, WA |
| Pacific Avenue Branch | Tacoma, WA |
| Parkland Branch | Tacoma, WA |
| Westgate Branch | Tacoma, WA |
| Pacific Plaza | Tacoma, WA |
| 1498 Pacific | Tacoma, WA |
| Southcenter Branch | Tukwila, 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.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- SOUND ranks #1,488 of 4,374 nationally on financial health and #30 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Whatcom Educational is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Whatcom Educational
Frequently Asked Questions
Is SOUND financially healthy?
SOUND has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,488 of 4,374 nationally on health and #30 of 75 in Washington. Its net worth ratio is 10.60% and its delinquency rate 1.72%.
How does SOUND compare to other credit unions?
SOUND scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.36% vs 83.90%). Its widest shortfall is delinquency rate (1.72% vs 0.87%).
How can I join SOUND?
Membership eligibility for SOUND depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SOUND directly for current membership requirements and application steps.
Is my money safe at SOUND?
SOUND 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. SOUND's net worth ratio of 10.60% 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.