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
- RANK 77/100
- PHOTO 16.7%
- BOOK 1.89%
- CHARTER 1.44%
- NCUSIF $143.3M
- CAMELS 1,384
- HEALTH #3,052/4,374
- NW First Priority
- DELQ 68328
Call Report peers
WCLA in the assets neighbourhood
WCLA's $143.3M assets sit next to First Priority ($143.3M) 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.
WCLA 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
77 28th percentile higher than 28% 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
WCLA - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68328: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for WCLA
WCLA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $143.3M (2025Q4) to $144.9M (2026Q1).
- Net-worth ratio shifted +0.21 pp (16.44% → 16.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
WCLA's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($143.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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 WCLA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, WCLA carries a financial health score of 77/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,052 of 4,374; by total assets it ranks #1,527 of 4,374 nationally (same basis as /rankings/largest); and #37 of 75 within Washington. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.65% net worth ratio and a 1.89% delinquency rate.
How does WCLA compare to other credit unions?
77/100 is WCLA's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like WCLA 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. WCLA's net worth ratio of 16.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does WCLA offer compared to banks?
Credit unions like WCLA 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 WCLA 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.