State overview · Q4 2025

Washington Credit Unions

All 75 federally-insured credit unions in Washington, ranked by financial health, from NCUA 5300 Call Reports.

75
Credit unions
5.0M
Members
$94.0B
Combined assets
84/100
Avg health
75 CUs · avg health 84/100

Washington has 75 federally insured credit unions averaging 84/100 health on NCUA 5300 Call Report aggregates. Combined assets $94.0B; 51 score Excellent (80+). State leader: Alaska Air Group at 99/100.

  • Mean delinquency rank #9 of 52 (lower DQ better)
  • Mean ROA rank #28 of 52
  • Data vintage 2026-09-06

Washington vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

75 19th of 54 higher than 35 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. 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 · Q4 2025

Health-score distribution

How Washington's 75 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)51 CUsGood (60–79)23 CUsFair (40–59)1 CUsWeak (<40)0 CUs

Washington Call Report quality, low mean delinquency cohort

Mean NCUA 5300 ratios across 75 federally insured credit unions in Washington, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
0.88%
National rank #9 of 52 · lower DQ better
Mean ROA
0.55%
National rank #28 of 52
Mean loan-to-share
76.1%
Mean net worth 12.9% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
31.3%
Tilted book, largest charter holds 25–50% of combined Washington CU assets · concentration rank #37 of 52 (lower share = more dispersed) · largest by assets on this board: Boeing Employees

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Washington is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Washington vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Washington highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18%20% 0.5%1%1.5%2%2.5%3% Net worth ratio Delinquency rate Washington vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IN - 14.73%, 1.306%IA - 15.09%, 1.429%KY - 14.12%, 1.121%ME - 11.58%, 0.818%MA - 14.25%, 0.901%MI - 12.62%, 0.909%MS - 17.86%, 2.688%MT - 12.19%, 0.9%NV - 12.18%, 0.832%NH - 11.15%, 0.746%NM - 14.09%, 1.009%NC - 14.51%, 2.08%OH - 13.65%, 1.573%OK - 13.44%, 1.238%PA - 15.31%, 1.273%SC - 14.68%, 1.029%TN - 15.99%, 1.081%TX - 15.62%, 1.279%UT - 16.09%, 0.974%VA - 14.12%, 1.395%WI - 13.48%, 1.468%WA - 12.92%, 0.882%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Washington highlighted.

All Credit Unions in Washington

Credit Union Health
Alaska Air Group SEATAC 99
Boeing Employees TUKWILA 97
TAPCO Fircrest 97
Utility Employees ABERDEEN 97
Hapo Community Richland 96
Responders Emergency Services SPOKANE 96
GESA RICHLAND 95
PROGRESSIONS Spokane 95
NUMERICA Spokane Valley 94
Spokane City Spokane 94
Spokane Firefighters Spokane 94
Red Canoe LONGVIEW 93
Spokane Teachers LIBERTY LAKE 93
Avista Corp. Spokane 92
FIBRE LONGVIEW 92
HARBORSTONE TACOMA 92
IQ Vancouver 92
North Coast Bellingham 91
Northwest Plus Everett 91
PEAK OLYMPIA 91
Columbia Community VANCOUVER 90
GRANCO Ephrata 90
Lower Columbia Longshoremen LONGVIEW 90
Whatcom Educational Bellingham 90
Great Northwest Aberdeen 89
Mint Valley LONGVIEW 89
Peninsula Community SHELTON 89
Strait View PORT ANGELES 89
CHENEY CHENEY 88
KITSAP BREMERTON 88
MOUNTAINCREST Arlington 88
SOUND Tacoma 88
Blue Mountain COLLEGE PLACE 87
Longshoremen's Local 4 Vancouver 87
Our Community Shelton 87
People's Community VANCOUVER 87
PUD LONGVIEW 86
SALAL Seattle 86
NEWRIZONS HOQUIAM 85
Tacoma Longshoremen Tacoma 85
LONGSHORE Hoquiam 84
Puget Sound Cooperative Bellevue 84
Spokane Media Spokane 84
O Bee Lacey 83
Washington State Employees OLYMPIA 83
CANOPY SPOKANE 82
WATERFRONT Seattle 81
White River Enumclaw 81
America's Credit Union, a DuPont 80
HORIZON Spokane Valley 80
Industrial Cu of Whatcom County Bellingham 80
Mill Town EVERETT 79
Mt. Rainier Puyallup 79 †
SOLARITY Yakima 79
Ibew 76 TACOMA 78
Puget Sound Refinery Anacortes 78
SAFEWAY Spokane 78
Tri-Cities Community Kennewick 78
WESTEDGE BELLINGHAM 78
CALCOE YAKIMA 77
EXPRESS Seattle 77
WCLA Olympia 77
CONNECTION Silverdale 76
QUALSTAR Bothell 76
NORDSTROM Everett 75
Community Healthcare Everett 74
OLYMPIA Olympia 74
SNOCOPE Everett 74
Seattle Metropolitan Seattle 70
VERITY Seattle 70
CASCADE Kent 69
Sno Falls North Bend 69
EVERGREENDIRECT Tumwater 68
PRIMESOURCE Spokane 61
American Lake Lakewood 46

† Score computed from fewer than five NCUA-reported metrics for this credit union (one or more figures unavailable this quarter); the remaining pillar weights are renormalized so the composite stays on the same 0-100 scale. See methodology.

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Washington

Washington is home to 75 federally-insured credit unions collectively serving 5.0M members with $94.0B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 84/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Alaska Air Group of SEATAC currently leads the cohort with a health score of 99/100, while the full distribution spans 75 institutions ranked below.

The health distribution breaks into four bands: 51 credit unions score 80–100 (Excellent), 23 score 60–79 (Good), 1 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A small number of institutions above (marked †) are missing one or more of these inputs this quarter; their composite is renormalized over the pillars actually reported, on the same 0–100 scale. A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Washington's 75 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Washington: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($94.0B here).

North Carolina $89.7B Pennsylvania $81.7B Illinois $75.8B Wisconsin $73.4B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (75 here).

Georgia 74 CUs West Virginia 74 CUs Minnesota 82 CUs Colorado 66 CUs

Frequently Asked Questions

How many credit unions are in Washington?

There are 75 federally-insured credit unions in Washington as of Q4 2025, with a combined 5.0M members and $94.0B in total assets. That places Washington at #7 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Washington ranks #15 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Washington?

Based on NCUA Q4 2025 data, Alaska Air Group in SEATAC ranks highest in Washington with a health score of 99/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Washington's data

  • Alaska Air Group in SEATAC is the healthiest scored credit union in Washington at 99/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Washington's credit unions rank #9 of 52 nationally on delinquency rate (among the lowest) and #28 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • Washington ranks #15 of 54 by average health score and #7 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.