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
- NW 88/100
- DELQ 10.6%
- ROA 1.72%
- ASSETS 0.43%
- MEM $3.34B
- RANK 177,657
- PHOTO #1,488/4,374
- BOOK USALLIANCE
- CHARTER 66331
Call Report peers
SOUND in the assets neighbourhood
SOUND's $3.34B assets sit next to USALLIANCE ($3.33B) 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.
SOUND 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
88 Top 35% higher than 65% 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
SOUND - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66331: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SOUND Call Report trajectory
SOUND: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.3% from $3.34B (2025Q4) to $3.45B (2026Q1).
- Net-worth ratio shifted -0.14 pp (10.74% → 10.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
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 | $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
SOUND's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.34B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 SOUND financially healthy?
SOUND has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,488 of 4,374; by total assets it ranks #149 of 4,374 nationally (same basis as /rankings/largest); and #7 of 75 within Washington. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.60% and delinquency rate of 1.72%.
How does SOUND compare to other credit unions?
Five weighted metrics from NCUA filings produce SOUND's 88/100 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 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?
Federal credit unions like SOUND 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. SOUND's net worth ratio of 10.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SOUND offer compared to banks?
Credit unions like SOUND 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 SOUND 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.