Side-by-side · Q2 2026 data
Banner Bank vs Industrial CU of Whatcom County Credit Union
Credit union
Industrial CU of Whatcom County Credit Union
Bellingham, Washington · $100 million – $1 billion
Metric by metric
| Measure | Banner Bank | Industrial CU of Whatcom County Credit Union |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 62 | 71 (stronger) |
| Loan quality | 85 | 91 (stronger) |
| Earnings | 72 (stronger) | 41 |
| Funding & liquidity | 55 | 85 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 79th | 66th |
| Total assets | $16.6B | $391.6M |
| Deposits / shares | $13.9B | $340.7M |
| Capital ratio | 11.15% | 12.06% (stronger) |
| Problem loans | 0.46% | 0.26% (stronger) |
| Net charge-offs | 0.02% (stronger) | 1.46% |
| Return on assets | 1.31% (stronger) | 0.52% |
| Loans ÷ deposits | 85.4% | 75.7% (stronger) |
| Uninsured deposits | 32.5% | 4.9% (stronger) |
| Offices | 154 | 6 |
| CFPB complaints (3 yrs) | 65 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 35.6% | — |
Industrial CU of Whatcom County Credit Union has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Banner Bank leads on 2 and Industrial CU of Whatcom County Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.