TellerScore

Longshoremen'S Local 4 Federal Credit Union is a federal credit union headquartered in Vancouver, Washington, in business for about 70 years. At the end of Q2 2026 it reported $39.3M in total assets and $29.7M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Longshoremen'S Local 4 Federal Credit Union scores 94/100, which we describe as very strong. That is higher than 95% of 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 1st. Its strongest component is capital cushion (100/100; 23.84%), and its lowest is earnings (85/100; 1.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.84%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity97/100
Loans ÷ shares: 63.0% · 12.6% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.67%

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 (92 → 94), mostly because the earnings component improved by 11 points.

TellerScore
919496Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202493
Q3 202494
Q4 202496
Q1 202592
Q2 202592
Q3 202591
Q4 202594
Q1 202693
Q2 202694
Net worth ratio
7.00%15.65%24.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202420.19%
Q3 202420.54%
Q4 202421.36%
Q1 202521.46%
Q2 202522.70%
Q3 202523.15%
Q4 202524.30%
Q1 202623.03%
Q2 202623.84%
Delinquent loans (60+ days)
0.27%0.36%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.45%
Q3 20240.43%
Q4 20240.27%
Q1 20250.27%
Q2 20250.27%
Q3 20250.41%
Q4 20250.35%
Q1 20260.35%
Q2 20260.33%
Return on assets
1.34%1.58%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.59%
Q3 20241.73%
Q4 20241.82%
Q1 20251.35%
Q2 20251.35%
Q3 20251.34%
Q4 20251.73%
Q1 20261.52%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$39.3M23.84%0.33%1.62%63.0%
Q1 202693$40.0M23.03%0.35%1.52%59.2%
Q4 202594$37.3M24.30%0.35%1.73%64.1%
Q3 202591$38.0M23.15%0.41%1.34%62.9%
Q2 202592$38.2M22.70%0.27%1.35%61.1%
Q1 202592$39.8M21.46%0.27%1.35%57.3%
Q4 202496$39.4M21.36%0.27%1.82%59.1%
Q3 202494$40.0M20.54%0.43%1.73%58.1%
Q2 202493$39.7M20.19%0.45%1.59%57.5%

2,479 peers · Under $100 million in assets

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 ratio23.84%
87th
Problem loans0.33%
66th
Net charge-offs0.03%
65th
Return on assets1.62%
88th
Loans to deposits63.0%
43rd
Uninsured deposits12.6%
4th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
72nd

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Connection Credit UnionCredit union Silverdale, WA73 out of 100, Strong$40.4M13.0%0.93%vs
Spark Federal Credit UnionCredit union Tacoma, WA69 out of 100, Moderate$30.0M12.7%0.35%vs
Mt. Rainier Credit UnionCredit union Puyallup, WA74 out of 100, Strong$26.3M13.4%0.72%vs
Mint Valley Federal Credit UnionCredit union Longview, WA87 out of 100, Very strong$23.7M19.3%0.10%vs
Express Credit UnionCredit union Seattle, WA53 out of 100, Below average$22.6M13.0%1.95%vs
Blue Mountain Credit UnionCredit union College Place, WA64 out of 100, Moderate$56.1M13.1%1.31%vs

Deposit insurance

Is my money safe at Longshoremen'S Local 4 Federal Credit Union?

Yes. Longshoremen'S Local 4 Federal Credit Union is a federally insured credit union (NCUA charter #10799). 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 12.6% of shares and deposits ($3.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 23.84%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Longshoremen'S Local 4 Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Longshoremen'S Local 4 Federal Credit Union
Type
Federal credit union
NCUA charter #
10799
RSSD ID
190787
Primary regulator
NCUA
Established
1956
Headquarters
PO Box 61629, Vancouver, WA 98666
Employees
6

Quick answers

Longshoremen'S Local 4 Federal Credit Union: common questions

Is Longshoremen'S Local 4 Federal Credit Union NCUA insured?

Yes. Longshoremen'S Local 4 Federal Credit Union is a federally insured credit union (NCUA charter #10799). 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 Longshoremen'S Local 4 Federal Credit Union's TellerScore?

94 out of 100 (Very 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 Longshoremen'S Local 4 Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Vancouver

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
Consolidated Federal Credit UnionCredit union Portland, OR88 out of 100, Very strong$833.7M15.3%0.27%vs
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Castparts Employees Federal Credit UnionCredit union Portland, OR85 out of 100, Very strong$79.9M15.7%0.84%vs
Clackamas County BankBank Sandy, OR84 out of 100, Strong$266.4M12.8%0.00%vs