Side-by-side · Q2 2026 data
Peoples 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 | Peoples Bank | Industrial CU of Whatcom County Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 75 |
| Capital cushion | 83 (stronger) | 71 |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 58 (stronger) | 41 |
| Funding & liquidity | 49 | 85 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 86th | 66th |
| Total assets | $2.4B | $391.6M |
| Deposits / shares | $2.1B | $340.7M |
| Capital ratio | 13.27% (stronger) | 12.06% |
| Problem loans | 0.11% (stronger) | 0.26% |
| Net charge-offs | 0.00% (stronger) | 1.46% |
| Return on assets | 0.96% (stronger) | 0.52% |
| Loans ÷ deposits | 91.6% | 75.7% (stronger) |
| Uninsured deposits | 32.5% | 4.9% (stronger) |
| Offices | 23 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | — |
Peoples Bank has the higher TellerScore (78 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 5 and Industrial CU of Whatcom County 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
- Lynden, WA
- Everson, WA
- Ferndale, WA