TellerScore

North Coast Credit Union (NCUA charter #66734) is based in Bellingham, Washington. Its Q2 2026 call report shows $426.7M in total assets and $371.8M in member shares and deposits and 5 offices.

Based on its Q2 2026 filing, North Coast Credit Union scores 79/100, which we describe as strong. That is higher than 76% of 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 18th. Its strongest component is problem-loan coverage (93/100; 3.3%), and its lowest is earnings (53/100; 0.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion88/100
Net worth ratio: 13.80%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.67%
Earnings53/100
Return on assets (annualized): 0.83%
Funding & liquidity89/100
Loans ÷ shares: 71.0% · 4.8% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.32%

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 2 points (81 → 79), mostly because the earnings component weakened by 7 points.

TellerScore
788081Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202480
Q4 202481
Q1 202578
Q2 202581
Q3 202581
Q4 202581
Q1 202678
Q2 202679
Net worth ratio
7.00%10.41%13.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.66%
Q3 202413.58%
Q4 202413.82%
Q1 202513.64%
Q2 202513.81%
Q3 202513.52%
Q4 202513.57%
Q1 202613.41%
Q2 202613.80%
Delinquent loans (60+ days)
0.35%0.51%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.41%
Q3 20240.64%
Q4 20240.57%
Q1 20250.53%
Q2 20250.53%
Q3 20250.48%
Q4 20250.56%
Q1 20260.35%
Q2 20260.67%
Return on assets
0.49%0.79%1.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20241.02%
Q4 20241.09%
Q1 20250.71%
Q2 20251.00%
Q3 20250.98%
Q4 20251.07%
Q1 20260.49%
Q2 20260.83%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$426.7M13.80%0.67%0.83%71.0%
Q1 202678$429.7M13.41%0.35%0.49%70.4%
Q4 202581$420.8M13.57%0.56%1.07%72.2%
Q3 202581$412.3M13.52%0.48%0.98%74.3%
Q2 202581$396.2M13.81%0.53%1.00%76.7%
Q1 202578$391.5M13.64%0.53%0.71%74.5%
Q4 202481$381.5M13.82%0.57%1.09%75.9%
Q3 202480$379.7M13.58%0.64%1.02%75.9%
Q2 202481$369.1M13.66%0.41%0.94%76.0%

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 ratio13.80%
77th
Problem loans0.67%
51st
Net charge-offs0.62%
25th
Return on assets0.83%
56th
Loans to deposits71.0%
59th
Uninsured deposits4.8%
62nd
Loan-loss reserves0.00%
50th
Texas ratio3.3%
58th

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
Industrial CU of Whatcom County Credit UnionCredit union Bellingham, WA75 out of 100, Strong$391.6M12.1%0.26%vs
Great Northwest Federal Credit UnionCredit union Aberdeen, WA86 out of 100, Very strong$374.8M17.1%0.75%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 North Coast Credit Union?

Yes. North Coast Credit Union is a federally insured credit union (NCUA charter #66734). 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 4.8% of shares and deposits ($18.0M) 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 13.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

North Coast Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
North Coast Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66734
RSSD ID
1892
Primary regulator
State + NCUA
Established
1938
Headquarters
1100 Dupont Street, Bellingham, WA 98225
Employees
69

Quick answers

North Coast Credit Union: common questions

Is North Coast Credit Union NCUA insured?

Yes. North Coast Credit Union is a federally insured credit union (NCUA charter #66734). 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 North Coast Credit Union's TellerScore?

79 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 North Coast Credit Union have?

5 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
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
Industrial CU of Whatcom County Credit UnionCredit union Bellingham, WA75 out of 100, Strong$391.6M12.1%0.26%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