TellerScore

Our Community Credit Union is a federally insured state-chartered credit union headquartered in Shelton, Washington, in business for about 85 years. At the end of Q2 2026 it reported $638.3M in total assets and $551.8M in member shares and deposits, with 8 offices.

Our Community Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 13th. Funding & liquidity contributes the most (100/100, 41% loans-to-deposits, 6% uninsured); earnings contributes the least (66/100, 1.16%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.67%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity100/100
Loans ÷ shares: 40.7% · 6.0% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.40%

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 5 points (87 → 82), mostly because the earnings component weakened by 29 points.

TellerScore
748188Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202477
Q4 202476
Q1 202583
Q2 202587
Q3 202588
Q4 202583
Q1 202681
Q2 202682
Net worth ratio
7.00%9.84%12.67%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.16%
Q3 202411.45%
Q4 202411.41%
Q1 202511.60%
Q2 202512.14%
Q3 202512.35%
Q4 202512.32%
Q1 202612.41%
Q2 202612.67%
Delinquent loans (60+ days)
0.25%0.40%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.45%
Q4 20240.46%
Q1 20250.37%
Q2 20250.33%
Q3 20250.25%
Q4 20250.36%
Q1 20260.43%
Q2 20260.48%
Return on assets
0.81%1.34%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20241.01%
Q4 20240.81%
Q1 20251.51%
Q2 20251.88%
Q3 20251.74%
Q4 20251.30%
Q1 20261.13%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$638.3M12.67%0.48%1.16%40.7%
Q1 202681$640.3M12.41%0.43%1.13%40.6%
Q4 202583$630.2M12.32%0.36%1.30%41.7%
Q3 202588$629.1M12.35%0.25%1.74%42.6%
Q2 202587$620.3M12.14%0.33%1.88%45.1%
Q1 202583$623.3M11.60%0.37%1.51%46.6%
Q4 202476$613.3M11.41%0.46%0.81%47.4%
Q3 202477$607.9M11.45%0.45%1.01%46.4%
Q2 202474$605.1M11.16%0.56%0.83%45.6%

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 ratio12.67%
66th
Problem loans0.48%
66th
Net charge-offs0.70%
20th
Return on assets1.16%
76th
Loans to deposits40.7%
96th
Uninsured deposits6.0%
49th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
84th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
O Bee Credit UnionCredit union Lacey, WA53 out of 100, Below average$676.6M8.7%0.96%vs
America'S Credit Union, aCredit union DuPont, WA68 out of 100, Moderate$709.5M11.0%0.32%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 Our Community Credit Union?

Yes. Our Community Credit Union is a federally insured credit union (NCUA charter #68609). 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 6.0% of shares and deposits ($32.9M) 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 12.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

Our Community Credit Union lists 8 offices in 7 cities. Most locations:

  • Shelton, WA (2)
  • Elma, WA (1)
  • McCleary, WA (1)
  • Montesano, WA (1)
  • Olympia, WA (1)
  • Union, WA (1)
  • Vashon, WA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Our Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68609
RSSD ID
674072
Primary regulator
State + NCUA
Established
1941
Headquarters
PO Box 1670, Shelton, WA 98584
Employees
107

Quick answers

Our Community Credit Union: common questions

Is Our Community Credit Union NCUA insured?

Yes. Our Community Credit Union is a federally insured credit union (NCUA charter #68609). 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 Our Community Credit Union's TellerScore?

82 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 Our Community Credit Union have?

8 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Shelton

InstitutionScoreAssetsCapitalProblem loansCompare
Wcla Credit UnionCredit union Olympia, WA86 out of 100, Very strong$141.9M17.5%0.29%vs
Timberland BankBank Hoquiam, WA78 out of 100, Strong$2.1B12.9%0.56%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
Commencement BankBank Tacoma, WA69 out of 100, Moderate$739.6M10.3%0.09%vs
Peninsula Community Federal Credit UnionCredit union Shelton, WA68 out of 100, Moderate$304.2M11.7%1.06%vs