State credit union · Enumclaw, Washington · NCUA charter #67201
White River
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $116.4M
- Total assets
- 8,404
- Members
- 16.6%
- Net-worth ratio
White River scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $116.4M; members 8,404; net-worth ratio 16.63%; health rank #2,544 of 4,374; healthier than 39th of scored peers.
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NCUA 5300 Call Report Masthead
#2,544 of 4,374 health · 2025Q4White River · health 81/100 · $116.4M · 2025Q4
Call Report peers
White River in the assets neighbourhood
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White River vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); White River sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for White River
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +4.52 pp (16.63% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 62.15% vs peer 72.20% (-10.05 pp).
Where White River sits in Washington
- In Washington, health place is #47 of 75 on the same NCUA-ratio sort used nationally.
- Assets rank #40 of 75 inside Washington ($116.4M reported).
- Washington membership ordinal: #37 of 75.
- One place up in Washington, CANOPY (#46) scores 82/100, 1 point higher; one place down, WATERFRONT (#48) ties at 81/100.
White River Call Report trajectory
White River: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $116.4M (2025Q4) to $115.6M (2026Q1).
- Net-worth ratio shifted +0.15 pp (16.48% → 16.63%).
At 16.63%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
White River gives up 19 points in total. Delinquency Rate costs the most, 10.1 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.9 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 13.4 pts
White River health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.63% | +4.52 pp |
| Delinquency Rate | 1.68% | +0.78 pp |
| Return on Assets | 1.21% | +0.59 pp |
| Member Growth | -0.71% | - |
| Loan-to-Share Ratio | 62.15% | -10.05 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
White River quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $115.6M | - |
| 2025Q4 | $116.4M | 8,404 |
| 2024Q4 | $115.3M | 8,464 |
| 2023Q4 | $119.7M | 8,238 |
Credit Union Details
- Charter Number
- 67201
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Washington
- City
- Enumclaw
- Data Quarter
- 2025Q4
Branch Locations (2)
White River operates 2 offices in Enumclaw, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| White River Credit Union (Main Office) | Enumclaw, WA |
| WRCU | Enumclaw, 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.
Cross-state Call Report peers for White River
Using this data
- White River ranks #2,544 of 4,374 nationally on financial health and #47 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Tacoma Longshoremen is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Tacoma Longshoremen
Frequently Asked Questions
Is White River financially healthy?
White River has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,544 of 4,374 nationally on health and #47 of 75 in Washington. Its net worth ratio is 16.63% and its delinquency rate 1.68%.
How does White River compare to other credit unions?
White River scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.63% vs 12.11%). Its widest shortfall is loan-to-share ratio (62.15% vs 72.20%).
How can I join White River?
Membership eligibility for White River depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact White River directly for current membership requirements and application steps.
Is my money safe at White River?
White River 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. White River's net worth ratio of 16.63% 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.