TellerScore

Utility Employees Federal Credit Union is a federal credit union headquartered in Aberdeen, Washington, in business for about 90 years. At the end of Q2 2026 it reported $3.2M in total assets and $2.6M in member shares and deposits, with 1 office.

Utility Employees Federal Credit Union has a TellerScore of 93 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 2nd. Capital cushion contributes the most (100/100, 19.42%); earnings contributes the least (76/100, 1.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.42%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity83/100
Loans ÷ shares: 77.3% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 5 points (88 → 93), mostly because the earnings component improved by 35 points.

TellerScore
808793Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202487
Q4 202487
Q1 202592
Q2 202588
Q3 202584
Q4 202580
Q1 202689
Q2 202693
Net worth ratio
7.00%13.21%19.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.23%
Q3 202416.10%
Q4 202416.60%
Q1 202516.46%
Q2 202516.22%
Q3 202516.87%
Q4 202518.63%
Q1 202619.01%
Q2 202619.42%
Delinquent loans (60+ days)
0.00%0.30%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.49%
Q4 20250.53%
Q1 20260.60%
Q2 20260.00%
Return on assets
0.26%0.94%1.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.48%
Q4 20240.46%
Q1 20251.13%
Q2 20250.53%
Q3 20250.73%
Q4 20250.30%
Q1 20261.62%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202693$3.2M19.42%0.00%1.39%77.3%
Q1 202689$3.2M19.01%0.60%1.62%76.4%
Q4 202580$3.2M18.63%0.53%0.30%73.9%
Q3 202584$3.6M16.87%0.49%0.73%68.9%
Q2 202588$3.7M16.22%0.00%0.53%63.9%
Q1 202592$3.6M16.46%0.00%1.13%64.4%
Q4 202487$3.5M16.60%0.00%0.46%66.0%
Q3 202487$3.6M16.10%0.00%0.48%67.1%
Q2 202485$3.8M15.23%0.00%0.26%67.7%

2,479 peers · Under $100 million in assets

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 ratio19.42%
75th
Problem loans0.00%
94th
Net charge-offs0.00%
77th
Return on assets1.39%
82nd
Loans to deposits77.3%
23rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.42%
77th
Texas ratio0.0%
93rd

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Longshore Federal Credit UnionCredit union Hoquiam, WA69 out of 100, Moderate$8.0M9.2%0.00%vs
Pud Federal Credit UnionCredit union Longview, WA85 out of 100, Very strong$9.4M15.5%0.00%vs
Puget Sound Refinery Federal Credit UnionCredit union Anacortes, WA69 out of 100, Moderate$15.6M17.5%2.29%vs
Spokane Media Federal Credit UnionCredit union Spokane, WA38 out of 100, Low$16.6M9.7%2.93%vs
Newrizons Federal Credit UnionCredit union Hoquiam, WA72 out of 100, Strong$18.9M20.2%1.30%vs
Community Healthcare Federal Credit UnionCredit union Everett, WA63 out of 100, Moderate$20.5M12.6%1.42%vs

Deposit insurance

Is my money safe at Utility Employees Federal Credit Union?

Yes. Utility Employees Federal Credit Union is a federally insured credit union (NCUA charter #1851). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 19.42%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Utility Employees Federal Credit Union lists 1 office in 1 city. Most locations:

  • Hoquiam, WA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Utility Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
1851
RSSD ID
73
Primary regulator
NCUA
Established
1936
Headquarters
Po Box 480, Aberdeen, WA 98520
Employees
2

Quick answers

Utility Employees Federal Credit Union: common questions

Is Utility Employees Federal Credit Union NCUA insured?

Yes. Utility Employees Federal Credit Union is a federally insured credit union (NCUA charter #1851). 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 Utility Employees Federal Credit Union's TellerScore?

93 out of 100 (Very 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 Utility Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Aberdeen

InstitutionScoreAssetsCapitalProblem loansCompare
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
Newrizons Federal Credit UnionCredit union Hoquiam, WA72 out of 100, Strong$18.9M20.2%1.30%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Longshore Federal Credit UnionCredit union Hoquiam, WA69 out of 100, Moderate$8.0M9.2%0.00%vs
1st Security Bank of WashingtonBank Mountlake Terrace, WA67 out of 100, Moderate$3.2B11.4%0.58%vs