Side-by-side · Q2 2026 data
Peoples Bank vs Whatcom Educational Credit Union
Credit union
Whatcom Educational Credit Union
Bellingham, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Peoples Bank | Whatcom Educational Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 83 (stronger) | 62 |
| Loan quality | 96 (stronger) | 77 |
| Earnings | 58 (stronger) | 47 |
| Funding & liquidity | 49 | 60 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 86th | 41st |
| Total assets | $2.4B | $3.4B |
| Deposits / shares | $2.1B | $2.7B |
| Capital ratio | 13.27% (stronger) | 11.21% |
| Problem loans | 0.11% (stronger) | 0.69% |
| Net charge-offs | 0.00% (stronger) | 0.60% |
| Return on assets | 0.96% (stronger) | 0.67% |
| Loans ÷ deposits | 91.6% (stronger) | 100.6% |
| Uninsured deposits | 32.5% | 12.0% (stronger) |
| Offices | 23 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | 22.6% |
Peoples Bank has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 6 and Whatcom Educational Credit Union on 1. 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