TellerScore

Northwest Plus Credit Union is a federally insured state-chartered credit union headquartered in Everett, Washington, in business for about 87 years. At the end of Q2 2026 it reported $315.2M in total assets and $273.8M in member shares and deposits, with 6 offices.

Northwest Plus Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 71% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 20th. Funding & liquidity contributes the most (96/100, 64% loans-to-deposits, 13% uninsured); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Net worth ratio: 13.56%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.80%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity96/100
Loans ÷ shares: 63.9% · 12.9% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.77%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 77).

TellerScore
727782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202474
Q1 202574
Q2 202577
Q3 202572
Q4 202575
Q1 202682
Q2 202677
Net worth ratio
7.00%10.28%13.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.00%
Q3 202413.12%
Q4 202413.19%
Q1 202512.85%
Q2 202513.19%
Q3 202513.13%
Q4 202513.24%
Q1 202613.30%
Q2 202613.56%
Delinquent loans (60+ days)
0.24%0.65%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.56%
Q4 20240.90%
Q1 20250.63%
Q2 20250.49%
Q3 20251.06%
Q4 20250.71%
Q1 20260.24%
Q2 20260.80%
Return on assets
0.46%0.63%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.73%
Q3 20240.69%
Q4 20240.61%
Q1 20250.46%
Q2 20250.55%
Q3 20250.58%
Q4 20250.61%
Q1 20260.80%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$315.2M13.56%0.80%0.67%63.9%
Q1 202682$318.2M13.30%0.24%0.80%63.7%
Q4 202575$314.7M13.24%0.71%0.61%66.9%
Q3 202572$313.1M13.13%1.06%0.58%68.3%
Q2 202577$307.9M13.19%0.49%0.55%68.9%
Q1 202574$312.0M12.85%0.63%0.46%66.1%
Q4 202474$301.5M13.19%0.90%0.61%69.4%
Q3 202477$300.9M13.12%0.56%0.69%70.4%
Q2 202478$299.8M13.00%0.46%0.73%72.4%

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 ratio13.56%
75th
Problem loans0.80%
42nd
Net charge-offs0.69%
21st
Return on assets0.67%
44th
Loans to deposits63.9%
72nd
Uninsured deposits12.9%
8th
Loan-loss reserves0.00%
50th
Texas ratio4.8%
42nd

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
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
People'S Community Federal Credit UnionCredit union Vancouver, WA71 out of 100, Strong$269.1M15.5%2.32%vs
Great Northwest Federal Credit UnionCredit union Aberdeen, WA86 out of 100, Very strong$374.8M17.1%0.75%vs
Industrial CU of Whatcom County Credit UnionCredit union Bellingham, WA75 out of 100, Strong$391.6M12.1%0.26%vs
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs

Deposit insurance

Is my money safe at Northwest Plus Credit Union?

Yes. Northwest Plus Credit Union is a federally insured credit union (NCUA charter #67262). 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 12.9% of shares and deposits ($35.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.56%, 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

Northwest Plus Credit Union lists 6 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Northwest Plus Credit Union reported 34 home-loan applications under HMDA (LEI 254900IHSG9OOX0DZH92): 21 originated ($5,695,000 total), 5 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.5%, 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
Northwest Plus Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67262
RSSD ID
82891
Primary regulator
State + NCUA
Established
1939
Headquarters
2821 Hewitt Ave, Everett, WA 98201
Employees
54

Quick answers

Northwest Plus Credit Union: common questions

Is Northwest Plus Credit Union NCUA insured?

Yes. Northwest Plus Credit Union is a federally insured credit union (NCUA charter #67262). 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 Northwest Plus Credit Union's TellerScore?

77 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 Northwest Plus Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Everett

InstitutionScoreAssetsCapitalProblem loansCompare
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
Qualstar Credit UnionCredit union Bothell, WA80 out of 100, Strong$939.3M16.0%1.41%vs
Peoples BankBank Bellingham, WA78 out of 100, Strong$2.4B13.3%0.11%vs
Native American Bank, National AssociationBank Denver, CO77 out of 100, Strong$362.0M14.4%0.94%vs
Boeing Employees Credit UnionCredit union Tukwila, WA75 out of 100, Strong$29.6B12.6%0.42%vs