State credit union · Olympia, Washington · NCUA charter #68328
WCLA
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $143.3M
- Total assets
- 1,384
- Members
- 16.7%
- Net-worth ratio
WCLA scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $143.3M; members 1,384; net-worth ratio 16.65%; health rank #3,052 of 4,374; healthier than 28th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,052 of 4,374 health · 2025Q4WCLA · health 77/100 · $143.3M · 2025Q4
Call Report peers
WCLA in the assets neighbourhood
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WCLA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); WCLA sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where WCLA diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 104.22% here, 72.20% peer average (+32.02 pp).
- Largest lag: Delinquency Rate at 1.89% vs peer 0.89% (+0.99 pp).
Washington standing for WCLA
- Health composite ranks #60 of 75 among scored Washington credit unions.
- Washington assets place: #37 of 75.
- Member book place in Washington: #67 of 75.
- One place up in Washington, Ibew 76 (#59) scores 78/100, 1 point higher; one place down, EXPRESS (#61) ties at 77/100.
Quarter path for WCLA
WCLA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $143.3M (2025Q4) to $144.9M (2026Q1).
- Net-worth ratio shifted +0.21 pp (16.44% → 16.65%).
16.65% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
WCLA gives up 23 points in total. Delinquency Rate costs the most, 11.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 9.1 pts
WCLA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.65% | +4.54 pp |
| Delinquency Rate | 1.89% | +0.99 pp |
| Return on Assets | 1.44% | +0.81 pp |
| Member Growth | 0.51% | - |
| Loan-to-Share Ratio | 104.22% | +32.02 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - WCLA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $144.9M | - |
| 2025Q4 | $143.3M | 1,384 |
| 2024Q4 | $125.9M | 1,377 |
| 2023Q4 | $121.0M | 1,341 |
Credit Union Details
- Charter Number
- 68328
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Washington
- City
- Olympia
- Data Quarter
- 2025Q4
Branch Location
WCLA operates a single office in Olympia, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Branch (Main Office) | Olympia, 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 WCLA
Using this data
- WCLA ranks #3,052 of 4,374 nationally on financial health and #60 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHENEY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHENEY
Frequently Asked Questions
Is WCLA financially healthy?
On its 2025Q4 NCUA 5300 filing, WCLA scores 77/100 (Very Good), with a 16.65% net worth ratio and 1.89% of loans delinquent. It ranks #3,052 of 4,374 nationally on health and #60 of 75 in Washington.
How does WCLA compare to other credit unions?
WCLA scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (104.22% vs 72.20%). Its widest shortfall is delinquency rate (1.89% vs 0.89%).
How can I join WCLA?
Membership eligibility for WCLA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact WCLA directly for current membership requirements and application steps.
Is my money safe at WCLA?
WCLA 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. WCLA's net worth ratio of 16.65% 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.