Side-by-side · Q2 2026 data
Sound Credit Union vs Whatcom Educational Credit Union
Credit union
Whatcom Educational Credit Union
Bellingham, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Sound Credit Union | Whatcom Educational Credit Union |
|---|---|---|
| TellerScore | 63 | 65 (stronger) |
| Capital cushion | 60 | 62 (stronger) |
| Loan quality | 61 | 77 (stronger) |
| Earnings | 58 (stronger) | 47 |
| Funding & liquidity | 67 (stronger) | 60 |
| Problem-loan coverage | 81 | 89 (stronger) |
| Peer percentile | 33rd | 41st |
| Total assets | $3.4B | $3.4B |
| Deposits / shares | $2.9B | $2.7B |
| Capital ratio | 11.01% | 11.21% (stronger) |
| Problem loans | 1.18% | 0.69% (stronger) |
| Net charge-offs | 0.90% | 0.60% (stronger) |
| Return on assets | 0.94% (stronger) | 0.67% |
| Loans ÷ deposits | 93.7% (stronger) | 100.6% |
| Uninsured deposits | 12.5% | 12.0% (stronger) |
| Offices | 21 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | 22.6% |
Whatcom Educational Credit Union has the higher TellerScore (65 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Sound Credit Union leads on 2 and Whatcom Educational Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.