State credit union · Fircrest, Washington · NCUA charter #68298
TAPCO
Health score 97/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 97
- Health / 100
- $697.7M
- Total assets
- 31,599
- Members
- 9.3%
- Net-worth ratio
TAPCO scores 97/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $697.7M; members 31,599; net-worth ratio 9.33%; health rank #211 of 4,374; healthier than 95th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#211 of 4,374 health · 2025Q4TAPCO · health 97/100 · $697.7M · 2025Q4
Call Report peers
TAPCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TAPCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TAPCO sits in 95-99 with 391 others.
97 Top 5% higher than 95% 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
TAPCO: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 87.02% here, 83.90% peer average (+3.12 pp).
- Largest lag: Net Worth Ratio at 9.33% vs peer 11.18% (-1.85 pp).
TAPCO in Washington
- In Washington, health place is #4 of 75 on the same NCUA-ratio sort used nationally.
- Washington assets place: #23 of 75.
- Member book place in Washington: #25 of 75.
- One place up in Washington, Boeing Employees (#3) ties at 97/100; one place down, Responders Emergency Services (#5) scores 96/100, 1 point lower.
TAPCO Call Report trajectory
TAPCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.1% from $697.7M (2025Q4) to $719.3M (2026Q1).
- Net-worth ratio shifted -0.05 pp (9.38% → 9.33%).
This credit union's 9.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 97/100 score is built
TAPCO gives up 3 points in total. Net Worth Ratio costs the most, 1.7 of its 30; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.8 pts
- Member Growth 14.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for TAPCO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.33% | -1.85 pp |
| Delinquency Rate | 0.33% | -0.54 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | 4.20% | - |
| Loan-to-Share Ratio | 87.02% | +3.12 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
TAPCO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $719.3M | - |
| 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
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for TAPCO, spread across 4 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Fircrest, WA |
| Bonney Lake | Bonney Lake, WA |
| Gig Harbor | Gig Harbor, WA |
| Canyon Branch | Tacoma, WA |
| 6th Avenue | Tacoma, WA |
| Frederickson | Tacoma, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Cross-state Call Report peers for TAPCO
Similar total assets
Similar health score
Using this data
- TAPCO ranks #211 of 4,374 nationally on financial health and #4 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- America's Credit Union, a is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with America's Credit Union, a
Frequently Asked Questions
Is TAPCO financially healthy?
On its 2025Q4 NCUA 5300 filing, TAPCO scores 97/100 (Excellent), with a 9.33% net worth ratio and 0.33% of loans delinquent. It ranks #211 of 4,374 nationally on health and #4 of 75 in Washington.
How does TAPCO compare to other credit unions?
TAPCO scores 97/100, higher than 95% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.02% vs 83.90%). Its widest shortfall is net worth ratio (9.33% vs 11.18%).
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?
TAPCO 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. TAPCO's net worth ratio of 9.33% 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.