TellerScore

Headquartered in Tacoma, Washington, Harborstone Credit Union is a federally insured state-chartered credit union with $3.1B in total assets and $2.6B in member shares and deposits as of Q2 2026. It operates 26 offices. Its charter dates back to 1955.

Harborstone Credit Union has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 454 credit unions with $1 billion – $10 billion. Among 73 credit unions headquartered in Washington, it ranks 68th. Problem-loan coverage contributes the most (82/100, 9.2%); earnings contributes the least (22/100, 0.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.34%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.08%
Earnings22/100
Return on assets (annualized): 0.05%
Funding & liquidity67/100
Loans ÷ shares: 93.5% · 12.7% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.22%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 24 points (76 → 52), mostly because the earnings component weakened by 69 points.

TellerScore
526680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202464
Q4 202468
Q1 202580
Q2 202576
Q3 202559
Q4 202558
Q1 202656
Q2 202652
Net worth ratio
7.00%9.32%11.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.72%
Q3 202410.67%
Q4 202411.13%
Q1 202511.64%
Q2 202511.53%
Q3 20259.32%
Q4 20259.50%
Q1 20269.60%
Q2 20269.34%
Delinquent loans (60+ days)
0.37%0.72%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.54%
Q3 20240.37%
Q4 20240.50%
Q1 20250.70%
Q2 20250.84%
Q3 20250.88%
Q4 20251.04%
Q1 20260.80%
Q2 20261.08%
Return on assets
0.00%1.60%3.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.00%
Q3 20240.02%
Q4 20240.58%
Q1 20253.21%
Q2 20251.76%
Q3 20250.73%
Q4 20250.69%
Q1 20260.06%
Q2 20260.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$3.1B9.34%1.08%0.05%93.5%
Q1 202656$3.0B9.60%0.80%0.06%89.3%
Q4 202558$3.1B9.50%1.04%0.69%89.5%
Q3 202559$2.9B9.32%0.88%0.73%91.3%
Q2 202576$2.2B11.53%0.84%1.76%87.1%
Q1 202580$2.2B11.64%0.70%3.21%84.4%
Q4 202468$2.1B11.13%0.50%0.58%84.3%
Q3 202464$2.1B10.67%0.37%0.02%85.6%
Q2 202462$2.1B10.72%0.54%0.00%84.4%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.34%
17th
Problem loans1.08%
23rd
Net charge-offs0.84%
22nd
Return on assets0.05%
3rd
Loans to deposits93.5%
32nd
Uninsured deposits12.7%
23rd
Loan-loss reserves0.00%
50th
Texas ratio9.2%
18th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Hapo Community Credit UnionCredit union Richland, WA80 out of 100, Strong$3.0B11.2%0.18%vs
Whatcom Educational Credit UnionCredit union Bellingham, WA65 out of 100, Moderate$3.4B11.2%0.69%vs
Sound Credit UnionCredit union Tacoma, WA63 out of 100, Moderate$3.4B11.0%1.18%vs
Columbia Community Credit UnionCredit union Vancouver, WA76 out of 100, Strong$2.6B13.3%0.93%vs
Kitsap Credit UnionCredit union Bremerton, WA54 out of 100, Below average$2.5B8.3%0.79%vs
Iq Credit UnionCredit union Vancouver, WA70 out of 100, Strong$2.2B11.3%0.79%vs

Deposit insurance

Is my money safe at Harborstone Credit Union?

Yes. Harborstone Credit Union is a federally insured credit union (NCUA charter #66399). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.7% of shares and deposits ($329.2M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.34%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

26 locations

Branches

Harborstone Credit Union lists 26 offices in 23 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Harborstone Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66399
RSSD ID
8695
Primary regulator
State + NCUA
Established
1955
Headquarters
Po Box 4207, Tacoma, WA 98438
Employees
459

Quick answers

Harborstone Credit Union: common questions

Is Harborstone Credit Union NCUA insured?

Yes. Harborstone Credit Union is a federally insured credit union (NCUA charter #66399). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Harborstone Credit Union's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Harborstone Credit Union have?

26 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tacoma

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
Wcla Credit UnionCredit union Olympia, WA86 out of 100, Very strong$141.9M17.5%0.29%vs
Tacoma Longshoremen Credit UnionCredit union Tacoma, WA84 out of 100, Strong$116.9M13.6%0.07%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Sound Banking CompanyBank Lakewood, WA82 out of 100, Strong$45.2M12.1%0.00%vs