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
- CHARTER 90/100
- NCUSIF 11.3%
- CAMELS 0.74%
- HEALTH 0.38%
- NW $3.33B
- DELQ 169,630
- ROA #1,124/4,374
- ASSETS USALLIANCE
- MEM 66373
Call Report peers
Whatcom Educational in the assets neighbourhood
Whatcom Educational's $3.33B assets sit next to USALLIANCE ($3.33B) 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.
Whatcom Educational 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
90 Top 27% higher than 73% 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
Whatcom Educational - Share Insurance Coverage
Charter #66373's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Whatcom Educational: 2025Q4 → 2026Q1
Whatcom Educational: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $3.33B (2025Q4) to $3.33B (2026Q1).
- Net-worth ratio shifted +0.18 pp (11.07% → 11.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Whatcom Educational's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.33B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- 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 Whatcom Educational financially healthy?
A 11.25% net worth ratio and a 0.74% delinquency rate feed into Whatcom Educational's financial health score of 90/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,124 of 4,374; by total assets it ranks #150 of 4,374 nationally (same basis as /rankings/largest); and #8 of 75 within Washington. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Whatcom Educational compare to other credit unions?
Five weighted metrics from NCUA filings produce Whatcom Educational's 90/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 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?
Federal credit unions like Whatcom Educational 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. Whatcom Educational's net worth ratio of 11.25% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Whatcom Educational offer compared to banks?
Credit unions like Whatcom Educational 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 Whatcom Educational 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.