Side-by-side · Q2 2026 data
Whatcom Educational Credit Union vs North Coast Credit Union
Credit union
Whatcom Educational Credit Union
Bellingham, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Whatcom Educational Credit Union | North Coast Credit Union |
|---|---|---|
| TellerScore | 65 | 79 (stronger) |
| Capital cushion | 62 | 88 (stronger) |
| Loan quality | 77 | 78 (stronger) |
| Earnings | 47 | 53 (stronger) |
| Funding & liquidity | 60 | 89 (stronger) |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 41st | 76th |
| Total assets | $3.4B | $426.7M |
| Deposits / shares | $2.7B | $371.8M |
| Capital ratio | 11.21% | 13.80% (stronger) |
| Problem loans | 0.69% | 0.67% (stronger) |
| Net charge-offs | 0.60% (stronger) | 0.62% |
| Return on assets | 0.67% | 0.83% (stronger) |
| Loans ÷ deposits | 100.6% | 71.0% (stronger) |
| Uninsured deposits | 12.0% | 4.8% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.6% | — |
North Coast Credit Union has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Whatcom Educational Credit Union leads on 1 and North Coast Credit Union on 6. 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.