Side-by-side · Q2 2026 data
Westedge Federal Credit Union vs Whatcom Educational Credit Union
Credit union
Westedge Federal Credit Union
Bellingham, Washington · Under $100 million in assets
Credit union
Whatcom Educational Credit Union
Bellingham, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Westedge Federal Credit Union | Whatcom Educational Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 62 |
| Loan quality | 56 | 77 (stronger) |
| Earnings | 64 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 60 |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 68th | 41st |
| Total assets | $79.2M | $3.4B |
| Deposits / shares | $66.1M | $2.7B |
| Capital ratio | 17.38% (stronger) | 11.21% |
| Problem loans | 1.32% | 0.69% (stronger) |
| Net charge-offs | 0.93% | 0.60% (stronger) |
| Return on assets | 1.09% (stronger) | 0.67% |
| Loans ÷ deposits | 54.0% (stronger) | 100.6% |
| Uninsured deposits | 2.6% (stronger) | 12.0% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.6% |
Westedge Federal Credit Union has the higher TellerScore (81 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Westedge Federal Credit Union leads on 5 and Whatcom Educational Credit Union on 2. 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.