Side-by-side · Q2 2026 data
Washington State Employees Credit Union vs Wcla Credit Union
Credit union
Washington State Employees Credit Union
Olympia, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Washington State Employees Credit Union | Wcla Credit Union |
|---|---|---|
| TellerScore | 59 | 86 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 73 | 90 (stronger) |
| Earnings | 30 | 92 (stronger) |
| Funding & liquidity | 74 (stronger) | 36 |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 22nd | 89th |
| Total assets | $5.1B | $141.9M |
| Deposits / shares | $4.5B | $111.8M |
| Capital ratio | 9.89% | 17.50% (stronger) |
| Problem loans | 0.80% | 0.29% (stronger) |
| Net charge-offs | 1.17% | 0.08% (stronger) |
| Return on assets | 0.25% | 1.81% (stronger) |
| Loans ÷ deposits | 86.2% (stronger) | 105.7% |
| Uninsured deposits | 13.8% (stronger) | 31.9% |
| Offices | 24 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 46.1% | — |
Wcla Credit Union has the higher TellerScore (86 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Washington State Employees Credit Union leads on 2 and Wcla Credit Union on 5. 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.