Kitsap Credit Union (NCUA charter #68576) is based in Bremerton, Washington. Its Q2 2026 call report shows $2.5B in total assets and $2.3B in member shares and deposits and 15 offices.
Based on its Q2 2026 filing, Kitsap Credit Union scores 54/100, which we describe as below average. That is higher than only 11% of 454 credit unions with $1 billion – $10 billion. Among 73 credit unions headquartered in Washington, it ranks 65th. Its strongest component is problem-loan coverage (81/100; 9.3%), and its lowest is earnings (33/100; 0.32%).
TellerScore · Q2 2026
Scorecard
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 2 points (52 → 54), mostly because the loan quality component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 52 |
| Q4 2024 | 53 |
| Q1 2025 | 54 |
| Q2 2025 | 52 |
| Q3 2025 | 54 |
| Q4 2025 | 54 |
| Q1 2026 | 54 |
| Q2 2026 | 54 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.56% |
| Q3 2024 | 8.48% |
| Q4 2024 | 8.62% |
| Q1 2025 | 8.66% |
| Q2 2025 | 8.63% |
| Q3 2025 | 8.29% |
| Q4 2025 | 8.12% |
| Q1 2026 | 8.20% |
| Q2 2026 | 8.33% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.82% |
| Q3 2024 | 0.90% |
| Q4 2024 | 0.95% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.96% |
| Q3 2025 | 0.80% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.73% |
| Q2 2026 | 0.79% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.29% |
| Q2 2025 | 0.21% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.28% |
| Q2 2026 | 0.32% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 54 | $2.5B | 8.33% | 0.79% | 0.32% | 88.7% |
| Q1 2026 | 54 | $2.5B | 8.20% | 0.73% | 0.28% | 86.9% |
| Q4 2025 | 54 | $2.5B | 8.12% | 0.79% | 0.34% | 87.5% |
| Q3 2025 | 54 | $2.4B | 8.29% | 0.80% | 0.32% | 84.8% |
| Q2 2025 | 52 | $2.3B | 8.63% | 0.96% | 0.21% | 89.4% |
| Q1 2025 | 54 | $2.3B | 8.66% | 0.87% | 0.29% | 88.3% |
| Q4 2024 | 53 | $2.3B | 8.62% | 0.95% | 0.26% | 88.4% |
| Q3 2024 | 52 | $2.3B | 8.48% | 0.90% | 0.20% | 88.8% |
| Q2 2024 | 53 | $2.3B | 8.56% | 0.82% | 0.13% | 88.2% |
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).
Similar-size credit unions in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Columbia Community Credit UnionCredit union Vancouver, WA | 76 out of 100, Strong | $2.6B | 13.3% | 0.93% | vs |
| Iq Credit UnionCredit union Vancouver, WA | 70 out of 100, Strong | $2.2B | 11.3% | 0.79% | vs |
| Hapo Community Credit UnionCredit union Richland, WA | 80 out of 100, Strong | $3.0B | 11.2% | 0.18% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| Harborstone Credit UnionCredit union Tacoma, WA | 52 out of 100, Below average | $3.1B | 9.3% | 1.08% | vs |
| Fibre Federal Credit UnionCredit union Longview, WA | 75 out of 100, Strong | $1.8B | 13.7% | 0.96% | vs |
Deposit insurance
Is my money safe at Kitsap Credit Union?
Yes. Kitsap Credit Union is a federally insured credit union (NCUA charter #68576). 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 8.5% of shares and deposits ($192.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 8.33%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
15 locations
Branches
Kitsap Credit Union lists 15 offices in 10 cities. Most locations:
- Bremerton, WA (4)
- Puyallup, WA (2)
- Silverdale, WA (2)
- Belfair, WA (1)
- Gig Harbor, WA (1)
- Kingston, WA (1)
- Port Orchard, WA (1)
- Port Townsend, WA (1)
- Poulsbo, WA (1)
- Seattle, WA (1)
HMDA 2025
Mortgage lending
In 2025, Kitsap Credit Union reported 1,296 home-loan applications under HMDA (LEI 549300YEI60WAHWQ3110): 715 originated ($88,955,000 total), 364 denied, and 79 withdrawn or closed by the applicant. Its denial rate on decided applications was 29.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Kitsap Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68576
- RSSD ID
- 754693
- Primary regulator
- State + NCUA
- Established
- 1934
- Headquarters
- Po Box 990, Bremerton, WA 98337
- Employees
- 344
Quick answers
Kitsap Credit Union: common questions
Is Kitsap Credit Union NCUA insured?
Yes. Kitsap Credit Union is a federally insured credit union (NCUA charter #68576). 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 Kitsap Credit Union's TellerScore?
54 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 Kitsap Credit Union have?
15 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Bremerton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Topeka Firemen'S Credit UnionCredit union Topeka, KS | 92 out of 100, Very strong | $11.7M | 25.8% | 0.03% | vs |
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
| Our Community Credit UnionCredit union Shelton, WA | 82 out of 100, Strong | $638.3M | 12.7% | 0.48% | vs |
| Qualstar Credit UnionCredit union Bothell, WA | 80 out of 100, Strong | $939.3M | 16.0% | 1.41% | vs |
| Timberland BankBank Hoquiam, WA | 78 out of 100, Strong | $2.1B | 12.9% | 0.56% | vs |