Side-by-side · Q2 2026 data
Whatcom Educational Credit Union vs Harborstone Credit Union
Credit union
Whatcom Educational Credit Union
Bellingham, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Whatcom Educational Credit Union | Harborstone Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 52 |
| Capital cushion | 62 (stronger) | 43 |
| Loan quality | 77 (stronger) | 64 |
| Earnings | 47 (stronger) | 22 |
| Funding & liquidity | 60 | 67 (stronger) |
| Problem-loan coverage | 89 (stronger) | 82 |
| Peer percentile | 41st | 8th |
| Total assets | $3.4B | $3.1B |
| Deposits / shares | $2.7B | $2.6B |
| Capital ratio | 11.21% (stronger) | 9.34% |
| Problem loans | 0.69% (stronger) | 1.08% |
| Net charge-offs | 0.60% (stronger) | 0.84% |
| Return on assets | 0.67% (stronger) | 0.05% |
| Loans ÷ deposits | 100.6% | 93.5% (stronger) |
| Uninsured deposits | 12.0% (stronger) | 12.7% |
| Offices | 9 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | — |
Whatcom Educational Credit Union has the higher TellerScore (65 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Whatcom Educational Credit Union leads on 6 and Harborstone Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.