Side-by-side · Q2 2026 data
Whatcom Educational Credit Union vs Gesa Credit Union
Credit union
Whatcom Educational Credit Union
Bellingham, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Whatcom Educational Credit Union | Gesa Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 59 |
| Capital cushion | 62 (stronger) | 43 |
| Loan quality | 77 (stronger) | 72 |
| Earnings | 47 | 48 (stronger) |
| Funding & liquidity | 60 | 65 (stronger) |
| Problem-loan coverage | 89 (stronger) | 84 |
| Peer percentile | 41st | 22nd |
| Total assets | $3.4B | $6.8B |
| Deposits / shares | $2.7B | $5.7B |
| Capital ratio | 11.21% (stronger) | 9.32% |
| Problem loans | 0.69% (stronger) | 0.84% |
| Net charge-offs | 0.60% | 0.59% (stronger) |
| Return on assets | 0.67% | 0.70% (stronger) |
| Loans ÷ deposits | 100.6% | 95.2% (stronger) |
| Uninsured deposits | 12.0% | 10.7% (stronger) |
| Offices | 9 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 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), Whatcom Educational Credit Union leads on 3 and Gesa Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.