Side-by-side · Q2 2026 data
Washington State Employees Credit Union vs Sound Credit Union
Credit union
Washington State Employees Credit Union
Olympia, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Washington State Employees Credit Union | Sound Credit Union |
|---|---|---|
| TellerScore | 59 | 63 (stronger) |
| Capital cushion | 49 | 60 (stronger) |
| Loan quality | 73 (stronger) | 61 |
| Earnings | 30 | 58 (stronger) |
| Funding & liquidity | 74 (stronger) | 67 |
| Problem-loan coverage | 87 (stronger) | 81 |
| Peer percentile | 22nd | 33rd |
| Total assets | $5.1B | $3.4B |
| Deposits / shares | $4.5B | $2.9B |
| Capital ratio | 9.89% | 11.01% (stronger) |
| Problem loans | 0.80% (stronger) | 1.18% |
| Net charge-offs | 1.17% | 0.90% (stronger) |
| Return on assets | 0.25% | 0.94% (stronger) |
| Loans ÷ deposits | 86.2% (stronger) | 93.7% |
| Uninsured deposits | 13.8% | 12.5% (stronger) |
| Offices | 24 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 46.1% | 34.8% |
Sound Credit Union has the higher TellerScore (63 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Washington State Employees Credit Union leads on 2 and Sound Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.