Side-by-side · Q2 2026 data
Industrial CU of Whatcom County Credit Union vs Whatcom Educational Credit Union
Credit union
Industrial CU of Whatcom County Credit Union
Bellingham, Washington · $100 million – $1 billion
Credit union
Whatcom Educational Credit Union
Bellingham, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Industrial CU of Whatcom County Credit Union | Whatcom Educational Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 71 (stronger) | 62 |
| Loan quality | 91 (stronger) | 77 |
| Earnings | 41 | 47 (stronger) |
| Funding & liquidity | 85 (stronger) | 60 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 66th | 41st |
| Total assets | $391.6M | $3.4B |
| Deposits / shares | $340.7M | $2.7B |
| Capital ratio | 12.06% (stronger) | 11.21% |
| Problem loans | 0.26% (stronger) | 0.69% |
| Net charge-offs | 1.46% | 0.60% (stronger) |
| Return on assets | 0.52% | 0.67% (stronger) |
| Loans ÷ deposits | 75.7% (stronger) | 100.6% |
| Uninsured deposits | 4.9% (stronger) | 12.0% |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.6% |
Industrial CU of Whatcom County Credit Union has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Industrial CU of Whatcom County Credit Union leads on 5 and Whatcom Educational Credit Union on 2. 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.
Where both have branches
- Bellingham, WA
- Everson, WA
- Ferndale, WA
- Lynden, WA