Side-by-side · Q2 2026 data
Whatcom Educational Credit Union vs Hapo Community Credit Union
Credit union
Whatcom Educational Credit Union
Bellingham, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Whatcom Educational Credit Union | Hapo Community Credit Union |
|---|---|---|
| TellerScore | 65 | 80 (stronger) |
| Capital cushion | 62 | 62 |
| Loan quality | 77 | 94 (stronger) |
| Earnings | 47 | 82 (stronger) |
| Funding & liquidity | 60 | 76 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 41st | 88th |
| Total assets | $3.4B | $3.0B |
| Deposits / shares | $2.7B | $2.6B |
| Capital ratio | 11.21% (stronger) | 11.20% |
| Problem loans | 0.69% | 0.18% (stronger) |
| Net charge-offs | 0.60% | 0.51% (stronger) |
| Return on assets | 0.67% | 1.56% (stronger) |
| Loans ÷ deposits | 100.6% | 83.8% (stronger) |
| Uninsured deposits | 12.0% (stronger) | 14.6% |
| Offices | 9 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | 25.8% |
Hapo Community Credit Union has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Whatcom Educational Credit Union leads on 2 and Hapo Community Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.