State credit union · Bellingham, Washington · NCUA charter #66373
Whatcom Educational
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $3.33B
- Total assets
- 169,630
- Members
- 11.3%
- Net-worth ratio
Whatcom Educational scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.33B; members 169,630; net-worth ratio 11.25%; health rank #1,124 of 4,374; healthier than 73rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,124 of 4,374 health · 2025Q4Whatcom Educational · health 90/100 · $3.33B · 2025Q4
Call Report peers
Whatcom Educational in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Whatcom Educational vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Whatcom Educational sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Whatcom Educational vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +13.19 pp (97.09% vs 83.90%).
- Widest shortfall vs peers is Return on Assets: -0.13 pp (0.38% vs 0.51%).
Where Whatcom Educational sits in Washington
- Washington health ordinal: #24 of 75.
- Assets rank #8 of 75 inside Washington ($3.33B reported).
- Member book place in Washington: #9 of 75.
- One place up in Washington, GRANCO (#23) ties at 90/100; one place down, Mint Valley (#25) scores 89/100, 1 point lower.
Whatcom Educational: 2025Q4 → 2026Q1
Whatcom Educational: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $3.33B (2025Q4) to $3.33B (2026Q1).
- Net-worth ratio shifted +0.18 pp (11.07% → 11.25%).
This credit union's 11.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Whatcom Educational gives up 10 points in total. Loan-to-Share Ratio costs the most, 3.2 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.6 pts
- Return on Assets 13.2 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 11.8 pts
Whatcom Educational vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.25% | +0.07 pp |
| Delinquency Rate | 0.74% | -0.13 pp |
| Return on Assets | 0.38% | -0.13 pp |
| Member Growth | 2.82% | - |
| Loan-to-Share Ratio | 97.09% | +13.19 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Whatcom Educational
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.33B | - |
| 2025Q4 | $3.33B | 169,630 |
| 2024Q4 | $2.96B | 164,973 |
| 2023Q4 | $2.77B | 157,610 |
Credit Union Details
- Charter Number
- 66373
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Bellingham
- Data Quarter
- 2025Q4
Branch Locations (12)
The NCUA branch filing lists 12 physical offices for Whatcom Educational, spread across 7 cities.
| Office | City |
|---|---|
| Admin Building - 21 Bellwether Way (Main Office) | Bellingham, WA |
| Holly Branch | Bellingham, WA |
| Fountain Branch | Bellingham, WA |
| Sunset Branch | Bellingham, WA |
| Fairhaven Branch | Bellingham, WA |
| Home Loan Center | Bellingham, WA |
| Blaine Branch | Blaine, WA |
| Everson Branch | Everson, WA |
| Ferndale Branch | Ferndale, WA |
| Lynden Branch | Lynden, WA |
| Mount Vernon | Mount Vernon, WA |
| Sedro-Woolley | Sedro Woolley, 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.
Whatcom Educational nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Whatcom Educational ranks #1,124 of 4,374 nationally on financial health and #24 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUND
Frequently Asked Questions
Is Whatcom Educational financially healthy?
Whatcom Educational has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,124 of 4,374 nationally on health and #24 of 75 in Washington. Its net worth ratio is 11.25% and its delinquency rate 0.74%.
How does Whatcom Educational compare to other credit unions?
Whatcom Educational scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (97.09% vs 83.90%). Its widest shortfall is return on assets (0.38% vs 0.51%).
How can I join Whatcom Educational?
Membership eligibility for Whatcom Educational depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Whatcom Educational directly for current membership requirements and application steps.
Is my money safe at Whatcom Educational?
Whatcom Educational 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. Whatcom Educational's net worth ratio of 11.25% 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.