Federal credit union · Kennewick, Washington · NCUA charter #19608
Tri-Cities Community
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $76.9M
- Total assets
- 5,538
- Members
- 14.6%
- Net-worth ratio
Tri-Cities Community scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $76.9M; members 5,538; net-worth ratio 14.60%; health rank #2,959 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,959 of 4,374 health · 2025Q4Tri-Cities Community · health 78/100 · $76.9M · 2025Q4
Call Report peers
Tri-Cities Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tri-Cities Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Tri-Cities Community sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Tri-Cities Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 92.10% here, 62.60% peer average (+29.50 pp).
- Delinquency Rate trails the peer set - 1.48% here, 0.96% peer average (+0.52 pp).
Where Tri-Cities Community sits in Washington
- Washington health ordinal: #58 of 75.
- Assets rank #51 of 75 inside Washington ($76.9M reported).
- Member book place in Washington: #44 of 75.
- One place up in Washington, Puget Sound Refinery (#57) ties at 78/100; one place down, Ibew 76 (#59) ties at 78/100.
How Tri-Cities Community's 5300 filing moved
Tri-Cities Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.0% from $76.9M (2025Q4) to $74.6M (2026Q1).
- Net-worth ratio shifted +0.54 pp (14.06% → 14.60%).
14.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Tri-Cities Community gives up 22 points in total. Member Growth costs the most, 11.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.4 pts
- Return on Assets 15.0 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 13.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.60% | +0.98 pp |
| Delinquency Rate | 1.48% | +0.52 pp |
| Return on Assets | 1.26% | +0.60 pp |
| Member Growth | -3.30% | - |
| Loan-to-Share Ratio | 92.10% | +29.50 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Tri-Cities Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $74.6M | - |
| 2025Q4 | $76.9M | 5,538 |
| 2024Q4 | $72.8M | 5,727 |
| 2023Q4 | $74.6M | 5,727 |
Credit Union Details
- Charter Number
- 19608
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Kennewick
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Tri-Cities Community runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Kennewick, 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.
Other-state peers near Tri-Cities Community
Using this data
- Tri-Cities Community ranks #2,959 of 4,374 nationally on financial health and #58 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EVERGREENDIRECT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EVERGREENDIRECT
Frequently Asked Questions
Is Tri-Cities Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Tri-Cities Community scores 78/100 (Very Good), with a 14.60% net worth ratio and 1.48% of loans delinquent. It ranks #2,959 of 4,374 nationally on health and #58 of 75 in Washington.
How does Tri-Cities Community compare to other credit unions?
Tri-Cities Community scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (92.10% vs 62.60%). Its widest shortfall is delinquency rate (1.48% vs 0.96%).
How can I join Tri-Cities Community?
Tri-Cities Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Tri-Cities Community directly for the exact boundaries and application steps.
Is my money safe at Tri-Cities Community?
Tri-Cities Community is a federal 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. Tri-Cities Community's net worth ratio of 14.60% 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.