Side-by-side · Q2 2026 data
Washington State Employees Credit Union vs Whatcom Educational Credit Union
Credit union
Washington State Employees Credit Union
Olympia, Washington · $1 billion – $10 billion
Credit union
Whatcom Educational Credit Union
Bellingham, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Washington State Employees Credit Union | Whatcom Educational Credit Union |
|---|---|---|
| TellerScore | 59 | 65 (stronger) |
| Capital cushion | 49 | 62 (stronger) |
| Loan quality | 73 | 77 (stronger) |
| Earnings | 30 | 47 (stronger) |
| Funding & liquidity | 74 (stronger) | 60 |
| Problem-loan coverage | 87 | 89 (stronger) |
| Peer percentile | 22nd | 41st |
| Total assets | $5.1B | $3.4B |
| Deposits / shares | $4.5B | $2.7B |
| Capital ratio | 9.89% | 11.21% (stronger) |
| Problem loans | 0.80% | 0.69% (stronger) |
| Net charge-offs | 1.17% | 0.60% (stronger) |
| Return on assets | 0.25% | 0.67% (stronger) |
| Loans ÷ deposits | 86.2% (stronger) | 100.6% |
| Uninsured deposits | 13.8% | 12.0% (stronger) |
| Offices | 24 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 46.1% | 22.6% |
Whatcom Educational Credit Union has the higher TellerScore (65 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Washington State Employees Credit Union leads on 1 and Whatcom Educational Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.