TellerScore

O Bee Credit Union (NCUA charter #60059) is based in Lacey, Washington. Its Q2 2026 call report shows $676.6M in total assets and $571.9M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, O Bee Credit Union scores 53/100, which we describe as below average. That is higher than only 9% of 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 66th. Its strongest component is problem-loan coverage (78/100; 11.0%), and its lowest is capital cushion (37/100; 8.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion37/100
Net worth ratio: 8.68%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.96%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity55/100
Loans ÷ shares: 105.5% · 7.4% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.98%

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 (55 → 53), mostly because the loan quality component weakened by 15 points.

TellerScore
535659Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202453
Q4 202456
Q1 202554
Q2 202555
Q3 202554
Q4 202555
Q1 202656
Q2 202653
Net worth ratio
7.00%7.86%8.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.67%
Q3 20248.66%
Q4 20248.53%
Q1 20258.54%
Q2 20258.56%
Q3 20258.71%
Q4 20258.62%
Q1 20268.68%
Q2 20268.68%
Delinquent loans (60+ days)
0.27%0.62%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.82%
Q4 20240.55%
Q1 20250.61%
Q2 20250.52%
Q3 20250.88%
Q4 20250.76%
Q1 20260.79%
Q2 20260.96%
Return on assets
0.27%0.50%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.34%
Q4 20240.39%
Q1 20250.27%
Q2 20250.39%
Q3 20250.59%
Q4 20250.63%
Q1 20260.74%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$676.6M8.68%0.96%0.60%105.5%
Q1 202656$667.1M8.68%0.79%0.74%104.8%
Q4 202555$651.8M8.62%0.76%0.63%104.3%
Q3 202554$649.1M8.71%0.88%0.59%103.9%
Q2 202555$637.0M8.56%0.52%0.39%107.8%
Q1 202554$628.6M8.54%0.61%0.27%105.1%
Q4 202456$623.3M8.53%0.55%0.39%101.8%
Q3 202453$616.8M8.66%0.82%0.34%104.2%
Q2 202459$603.1M8.67%0.27%0.34%103.5%

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 ratio8.68%
9th
Problem loans0.96%
31st
Net charge-offs0.93%
12th
Return on assets0.60%
39th
Loans to deposits105.5%
2nd
Uninsured deposits7.4%
35th
Loan-loss reserves0.00%
50th
Texas ratio11.0%
10th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
America'S Credit Union, aCredit union DuPont, WA68 out of 100, Moderate$709.5M11.0%0.32%vs
Our Community Credit UnionCredit union Shelton, WA82 out of 100, Strong$638.3M12.7%0.48%vs
Tapco Credit UnionCredit union Fircrest, WA78 out of 100, Strong$735.7M10.2%0.34%vs
Verity Credit UnionCredit union Seattle, WA45 out of 100, Below average$786.5M9.2%1.91%vs
Solarity Credit UnionCredit union Yakima, WA73 out of 100, Strong$803.5M17.6%0.44%vs
North Coast Credit UnionCredit union Bellingham, WA79 out of 100, Strong$426.7M13.8%0.67%vs

Deposit insurance

Is my money safe at O Bee Credit Union?

Yes. O Bee Credit Union is a federally insured credit union (NCUA charter #60059). 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 7.4% of shares and deposits ($42.5M) 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 8.68%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

O Bee Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, O Bee Credit Union reported 708 home-loan applications under HMDA (LEI 549300ML3H1LUVR1FP75): 454 originated ($90,430,000 total), 125 denied, and 51 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.0%, 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
O Bee Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60059
RSSD ID
201094
Primary regulator
State + NCUA
Established
1955
Headquarters
PO Box 5000, Lacey, WA 98509
Employees
164

Quick answers

O Bee Credit Union: common questions

Is O Bee Credit Union NCUA insured?

Yes. O Bee Credit Union is a federally insured credit union (NCUA charter #60059). 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 O Bee Credit Union's TellerScore?

53 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 O Bee Credit Union have?

2 offices as of the latest NCUA data.