TellerScore

Industrial CU of Whatcom County Credit Union is a federally insured state-chartered credit union headquartered in Bellingham, Washington, in business for about 85 years. At the end of Q2 2026 it reported $391.6M in total assets and $340.7M in member shares and deposits, with 6 offices.

Industrial CU of Whatcom County Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 25th. Problem-loan coverage contributes the most (96/100, 2.0%); earnings contributes the least (41/100, 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.06%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.26%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity85/100
Loans ÷ shares: 75.7% · 4.9% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.00%

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 rose 6 points (69 → 75), mostly because the capital cushion component improved by 10 points.

TellerScore
626975Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202463
Q4 202465
Q1 202570
Q2 202569
Q3 202570
Q4 202571
Q1 202670
Q2 202675
Net worth ratio
7.00%9.53%12.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.14%
Q3 202411.24%
Q4 202411.29%
Q1 202511.33%
Q2 202511.12%
Q3 202511.58%
Q4 202511.90%
Q1 202611.77%
Q2 202612.06%
Delinquent loans (60+ days)
0.26%0.54%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.69%
Q4 20240.74%
Q1 20250.43%
Q2 20250.57%
Q3 20250.73%
Q4 20250.65%
Q1 20260.43%
Q2 20260.26%
Return on assets
0.08%0.36%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.08%
Q3 20240.09%
Q4 20240.24%
Q1 20250.43%
Q2 20250.50%
Q3 20250.63%
Q4 20250.65%
Q1 20260.30%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$391.6M12.06%0.26%0.52%75.7%
Q1 202670$395.1M11.77%0.43%0.30%74.8%
Q4 202571$388.4M11.90%0.65%0.65%76.4%
Q3 202570$396.0M11.58%0.73%0.63%74.2%
Q2 202569$404.7M11.12%0.57%0.50%72.4%
Q1 202570$391.9M11.33%0.43%0.43%76.1%
Q4 202465$389.6M11.29%0.74%0.24%78.5%
Q3 202463$387.8M11.24%0.69%0.09%80.5%
Q2 202462$390.6M11.14%0.82%0.08%82.1%

1,341 peers · $100 million – $1 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 ratio12.06%
59th
Problem loans0.26%
85th
Net charge-offs1.46%
4th
Return on assets0.52%
33rd
Loans to deposits75.7%
50th
Uninsured deposits4.9%
62nd
Loan-loss reserves0.00%
50th
Texas ratio2.0%
76th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
Great Northwest Federal Credit UnionCredit union Aberdeen, WA86 out of 100, Very strong$374.8M17.1%0.75%vs
North Coast Credit UnionCredit union Bellingham, WA79 out of 100, Strong$426.7M13.8%0.67%vs
Northwest Plus Credit UnionCredit union Everett, WA77 out of 100, Strong$315.2M13.6%0.80%vs
Peninsula Community Federal Credit UnionCredit union Shelton, WA68 out of 100, Moderate$304.2M11.7%1.06%vs
Puget Sound CooperativeCredit union Bellevue, WA65 out of 100, Moderate$273.8M11.2%0.57%vs

Deposit insurance

Is my money safe at Industrial CU of Whatcom County Credit Union?

Yes. Industrial CU of Whatcom County Credit Union is a federally insured credit union (NCUA charter #66337). 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 4.9% of shares and deposits ($16.5M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.06%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Industrial CU of Whatcom County Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Industrial CU of Whatcom County Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66337
RSSD ID
122591
Primary regulator
State + NCUA
Established
1941
Headquarters
PO Box 1767, Bellingham, WA 98227
Employees
108

Quick answers

Industrial CU of Whatcom County Credit Union: common questions

Is Industrial CU of Whatcom County Credit Union NCUA insured?

Yes. Industrial CU of Whatcom County Credit Union is a federally insured credit union (NCUA charter #66337). 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 Industrial CU of Whatcom County Credit Union's TellerScore?

75 out of 100 (Strong), 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 Industrial CU of Whatcom County Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Bellingham

InstitutionScoreAssetsCapitalProblem loansCompare
Westedge Federal Credit UnionCredit union Bellingham, WA81 out of 100, Strong$79.2M17.4%1.32%vs
North Coast Credit UnionCredit union Bellingham, WA79 out of 100, Strong$426.7M13.8%0.67%vs
Peoples BankBank Bellingham, WA78 out of 100, Strong$2.4B13.3%0.11%vs
Northwest Plus Credit UnionCredit union Everett, WA77 out of 100, Strong$315.2M13.6%0.80%vs
Boeing Employees Credit UnionCredit union Tukwila, WA75 out of 100, Strong$29.6B12.6%0.42%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs