TellerScore

Headquartered in Shelton, Washington, Peninsula Community Federal Credit Union is a federal credit union with $304.2M in total assets and $267.4M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1935.

Peninsula Community Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 42nd. Problem-loan coverage contributes the most (88/100, 6.0%); earnings contributes the least (50/100, 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.74%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.06%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity84/100
Loans ÷ shares: 76.2% · 2.9% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.03%

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 (66 → 68), mostly because the earnings component improved by 9 points.

TellerScore
626669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202464
Q4 202464
Q1 202567
Q2 202566
Q3 202568
Q4 202567
Q1 202669
Q2 202668
Net worth ratio
7.00%9.37%11.74%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.74%
Q3 202410.78%
Q4 202411.23%
Q1 202511.08%
Q2 202511.24%
Q3 202511.39%
Q4 202511.51%
Q1 202611.57%
Q2 202611.74%
Delinquent loans (60+ days)
0.76%0.91%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.88%
Q3 20240.79%
Q4 20241.04%
Q1 20250.81%
Q2 20250.87%
Q3 20250.76%
Q4 20250.96%
Q1 20260.93%
Q2 20261.06%
Return on assets
0.11%0.47%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.24%
Q4 20240.45%
Q1 20250.51%
Q2 20250.53%
Q3 20250.61%
Q4 20250.72%
Q1 20260.83%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$304.2M11.74%1.06%0.76%76.2%
Q1 202669$306.4M11.57%0.93%0.83%75.2%
Q4 202567$307.5M11.51%0.96%0.72%78.4%
Q3 202568$303.3M11.39%0.76%0.61%78.6%
Q2 202566$299.2M11.24%0.87%0.53%78.0%
Q1 202567$297.0M11.08%0.81%0.51%73.6%
Q4 202464$291.1M11.23%1.04%0.45%76.2%
Q3 202464$298.2M10.78%0.79%0.24%74.3%
Q2 202462$295.7M10.74%0.88%0.11%72.7%

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 ratio11.74%
54th
Problem loans1.06%
28th
Net charge-offs0.86%
13th
Return on assets0.76%
52nd
Loans to deposits76.2%
49th
Uninsured deposits2.9%
83rd
Loan-loss reserves0.00%
50th
Texas ratio6.0%
31st

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Northwest Plus Credit UnionCredit union Everett, WA77 out of 100, Strong$315.2M13.6%0.80%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
Canopy Federal Credit UnionCredit union Spokane, WA51 out of 100, Below average$222.0M9.0%0.86%vs
Industrial CU of Whatcom County Credit UnionCredit union Bellingham, WA75 out of 100, Strong$391.6M12.1%0.26%vs

Deposit insurance

Is my money safe at Peninsula Community Federal Credit Union?

Yes. Peninsula Community Federal Credit Union is a federally insured credit union (NCUA charter #665). 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 2.9% of shares and deposits ($7.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.74%, 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

Peninsula Community Federal Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Peninsula Community Federal Credit Union
Type
Federal credit union
NCUA charter #
665
RSSD ID
949471
Primary regulator
NCUA
Established
1935
Headquarters
Po Box 2150, Shelton, WA 98584
Employees
73

Quick answers

Peninsula Community Federal Credit Union: common questions

Is Peninsula Community Federal Credit Union NCUA insured?

Yes. Peninsula Community Federal Credit Union is a federally insured credit union (NCUA charter #665). 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 Peninsula Community Federal Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Peninsula Community Federal Credit Union have?

5 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
Our Community Credit UnionCredit union Shelton, WA82 out of 100, Strong$638.3M12.7%0.48%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