State credit union · Fircrest, Washington · NCUA charter #68298
Tapco
Health score 97/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $697.7M
- Total assets
- 31,599
- Members
- 9.4%
- Net-worth ratio
Tapco - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68298: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Tapco - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)95
- Asset quality (delinquency)100
- Earnings (ROA)99
- Member growth94
- Liquidity (loan-to-share)100
Weighted composite: 97/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.38% | 30% |
| Delinquency Rate | 0.33% | 25% |
| Return on Assets | 0.49% | 15% |
| Member Growth | 4.20% | 15% |
| Loan-to-Share Ratio | 87.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $697.7M | 31,599 |
| 2024Q4 | $658.8M | 30,325 |
| 2023Q4 | $653.1M | 30,191 |
Credit Union Details
- Charter Number
- 68298
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Fircrest
- Data Quarter
- 2025Q4
What This Data Says About Tapco
Headquartered in Fircrest, Washington, Tapco is a state credit union with 31,599 members, $697.7M in total assets, and $550.3M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 97/100 (Excellent), driven in part by a net worth ratio of 9.38% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68298 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 0.33% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 87.02% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.49% on net income of $3.4M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.20%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Tapco financially healthy?
Tapco scores 97/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.38% net worth ratio and a 0.33% delinquency rate.
How does Tapco compare to other credit unions?
On PlainCU's health composite, Tapco lands at 97/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Tapco?
Membership eligibility for Tapco depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Tapco directly for current membership requirements and application steps.
Is my money safe at Tapco?
Federal credit unions like Tapco 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. Tapco's net worth ratio of 9.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tapco offer compared to banks?
Credit unions like Tapco 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 Tapco directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.