TellerScore

Headquartered in Fircrest, Washington, Tapco Credit Union is a federally insured state-chartered credit union with $735.7M in total assets and $657.1M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1934.

Tapco Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 19th. Earnings contributes the most (100/100, 2.58%); capital cushion contributes the least (52/100, 10.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.19%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.34%
Earnings100/100
Return on assets (annualized): 2.58%
Funding & liquidity74/100
Loans ÷ shares: 86.6% · 10.3% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.95%

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 14 points (64 → 78), mostly because the earnings component improved by 50 points.

TellerScore
566778Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202456
Q4 202460
Q1 202563
Q2 202564
Q3 202565
Q4 202568
Q1 202668
Q2 202678
Net worth ratio
7.00%8.59%10.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.61%
Q3 20248.60%
Q4 20248.84%
Q1 20258.79%
Q2 20258.91%
Q3 20259.03%
Q4 20259.38%
Q1 20269.33%
Q2 202610.19%
Delinquent loans (60+ days)
0.23%0.52%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.58%
Q3 20240.80%
Q4 20240.61%
Q1 20250.39%
Q2 20250.29%
Q3 20250.33%
Q4 20250.33%
Q1 20260.23%
Q2 20260.34%
Return on assets
0.50%1.54%2.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.50%
Q4 20240.52%
Q1 20250.74%
Q2 20250.74%
Q3 20250.79%
Q4 20251.04%
Q1 20260.94%
Q2 20262.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$735.7M10.19%0.34%2.58%86.6%
Q1 202668$719.3M9.33%0.23%0.94%85.0%
Q4 202568$697.7M9.38%0.33%1.04%87.0%
Q3 202565$690.0M9.03%0.33%0.79%87.7%
Q2 202564$681.8M8.91%0.29%0.74%88.6%
Q1 202563$676.5M8.79%0.39%0.74%86.2%
Q4 202460$658.8M8.84%0.61%0.52%86.7%
Q3 202456$666.5M8.60%0.80%0.50%89.2%
Q2 202459$659.2M8.61%0.58%0.59%92.2%

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 ratio10.19%
32nd
Problem loans0.34%
79th
Net charge-offs0.27%
61st
Return on assets2.58%
100th
Loans to deposits86.6%
25th
Uninsured deposits10.3%
16th
Loan-loss reserves0.00%
50th
Texas ratio2.9%
62nd

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
Verity Credit UnionCredit union Seattle, WA45 out of 100, Below average$786.5M9.2%1.91%vs
O Bee Credit UnionCredit union Lacey, WA53 out of 100, Below average$676.6M8.7%0.96%vs
Solarity Credit UnionCredit union Yakima, WA73 out of 100, Strong$803.5M17.6%0.44%vs
Our Community Credit UnionCredit union Shelton, WA82 out of 100, Strong$638.3M12.7%0.48%vs
Qualstar Credit UnionCredit union Bothell, WA80 out of 100, Strong$939.3M16.0%1.41%vs

Deposit insurance

Is my money safe at Tapco Credit Union?

Yes. Tapco Credit Union is a federally insured credit union (NCUA charter #68298). 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 10.3% of shares and deposits ($68.0M) 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 10.19%, 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

Tapco Credit Union lists 6 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tapco Credit Union reported 295 home-loan applications under HMDA (LEI 549300VZDEK4QLTWSL15): 207 originated ($29,195,000 total), 60 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 21.1%, 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
Tapco Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68298
RSSD ID
662396
Primary regulator
State + NCUA
Established
1934
Headquarters
6312 19th St W, Fircrest, WA 98466
Employees
102

Quick answers

Tapco Credit Union: common questions

Is Tapco Credit Union NCUA insured?

Yes. Tapco Credit Union is a federally insured credit union (NCUA charter #68298). 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 Tapco Credit Union's TellerScore?

78 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 Tapco Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fircrest

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
Wcla Credit UnionCredit union Olympia, WA86 out of 100, Very strong$141.9M17.5%0.29%vs
Tacoma Longshoremen Credit UnionCredit union Tacoma, WA84 out of 100, Strong$116.9M13.6%0.07%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs
Sound Banking CompanyBank Lakewood, WA82 out of 100, Strong$45.2M12.1%0.00%vs