TellerScore

Headquartered in Yakima, Washington, Solarity Credit Union is a federally insured state-chartered credit union with $803.5M in total assets and $618.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1951.

Solarity Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 28th. Capital cushion contributes the most (100/100, 17.60%); earnings contributes the least (20/100, 0.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.60%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings20/100
Return on assets (annualized): 0.00%
Funding & liquidity51/100
Loans ÷ shares: 109.2% · 5.7% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.20%

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 (78 → 73), mostly because the earnings component weakened by 21 points.

TellerScore
737781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202477
Q4 202475
Q1 202577
Q2 202578
Q3 202581
Q4 202580
Q1 202677
Q2 202673
Net worth ratio
7.00%12.30%17.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.41%
Q3 202416.49%
Q4 202416.87%
Q1 202516.86%
Q2 202517.09%
Q3 202517.09%
Q4 202516.99%
Q1 202616.76%
Q2 202617.60%
Delinquent loans (60+ days)
0.10%0.32%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.42%
Q4 20240.55%
Q1 20250.29%
Q2 20250.35%
Q3 20250.10%
Q4 20250.21%
Q1 20260.17%
Q2 20260.44%
Return on assets
0.00%0.32%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.48%
Q4 20240.46%
Q1 20250.32%
Q2 20250.51%
Q3 20250.63%
Q4 20250.56%
Q1 20260.18%
Q2 20260.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$803.5M17.60%0.44%0.00%109.2%
Q1 202677$846.1M16.76%0.17%0.18%102.4%
Q4 202580$834.1M16.99%0.21%0.56%103.2%
Q3 202581$824.6M17.09%0.10%0.63%105.8%
Q2 202578$814.0M17.09%0.35%0.51%107.1%
Q1 202577$816.5M16.86%0.29%0.32%106.9%
Q4 202475$813.8M16.87%0.55%0.46%108.7%
Q3 202477$827.1M16.49%0.42%0.48%104.5%
Q2 202479$823.1M16.41%0.21%0.38%103.7%

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 ratio17.60%
94th
Problem loans0.44%
70th
Net charge-offs0.80%
16th
Return on assets0.00%
5th
Loans to deposits109.2%
1st
Uninsured deposits5.7%
52nd
Loan-loss reserves0.00%
50th
Texas ratio2.2%
73rd

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Verity Credit UnionCredit union Seattle, WA45 out of 100, Below average$786.5M9.2%1.91%vs
Tapco Credit UnionCredit union Fircrest, WA78 out of 100, Strong$735.7M10.2%0.34%vs
America'S Credit Union, aCredit union DuPont, WA68 out of 100, Moderate$709.5M11.0%0.32%vs
O Bee Credit UnionCredit union Lacey, WA53 out of 100, Below average$676.6M8.7%0.96%vs
Qualstar Credit UnionCredit union Bothell, WA80 out of 100, Strong$939.3M16.0%1.41%vs
Our Community Credit UnionCredit union Shelton, WA82 out of 100, Strong$638.3M12.7%0.48%vs

Deposit insurance

Is my money safe at Solarity Credit Union?

Yes. Solarity Credit Union is a federally insured credit union (NCUA charter #68061). 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 5.7% of shares and deposits ($35.2M) 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 17.60%, well 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

Solarity Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Solarity Credit Union reported 505 home-loan applications under HMDA (LEI 549300GGB04TG4AH1377): 273 originated ($48,105,000 total), 168 denied, and 64 withdrawn or closed by the applicant. Its denial rate on decided applications was 38.1%, 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
Solarity Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68061
RSSD ID
340993
Primary regulator
State + NCUA
Established
1951
Headquarters
PO Box 2922, Yakima, WA 98907
Employees
127

Quick answers

Solarity Credit Union: common questions

Is Solarity Credit Union NCUA insured?

Yes. Solarity Credit Union is a federally insured credit union (NCUA charter #68061). 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 Solarity Credit Union's TellerScore?

73 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 Solarity Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Yakima

InstitutionScoreAssetsCapitalProblem loansCompare
Yakima Federal Savings and Loan AssociationBank Yakima, WA86 out of 100, Very strong$2.0B28.1%0.28%vs
Hapo Community Credit UnionCredit union Richland, WA80 out of 100, Strong$3.0B11.2%0.18%vs
Cashmere Valley BankBank Cashmere, WA79 out of 100, Strong$2.3B12.5%0.35%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Heritage BankBank Olympia, WA68 out of 100, Moderate$8.4B10.2%0.27%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs