TellerScore

Headquartered in Seattle, Washington, Waterfront Federal Credit Union is a federal credit union with $93.2M in total assets and $81.7M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1964.

Waterfront Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 29th. Funding & liquidity contributes the most (98/100, 63% loans-to-deposits, 7% uninsured); earnings contributes the least (33/100, 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Net worth ratio: 13.49%
Loan quality69/100
Loans 60+ days delinquent ÷ total loans: 0.94%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity98/100
Loans ÷ shares: 62.6% · 6.5% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.83%

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 loan quality component weakened by 16 points.

TellerScore
687683Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202480
Q4 202483
Q1 202583
Q2 202578
Q3 202570
Q4 202568
Q1 202677
Q2 202673
Net worth ratio
7.00%10.25%13.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.57%
Q3 202412.84%
Q4 202412.93%
Q1 202513.33%
Q2 202513.31%
Q3 202513.33%
Q4 202513.24%
Q1 202613.45%
Q2 202613.49%
Delinquent loans (60+ days)
0.29%0.93%1.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.82%
Q3 20240.50%
Q4 20240.29%
Q1 20250.51%
Q2 20250.45%
Q3 20251.38%
Q4 20251.58%
Q1 20260.86%
Q2 20260.94%
Return on assets
0.33%0.75%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20241.08%
Q4 20241.10%
Q1 20251.16%
Q2 20250.48%
Q3 20250.50%
Q4 20250.58%
Q1 20260.68%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$93.2M13.49%0.94%0.33%62.6%
Q1 202677$93.6M13.45%0.86%0.68%62.6%
Q4 202568$93.9M13.24%1.58%0.58%63.1%
Q3 202570$91.7M13.33%1.38%0.50%64.0%
Q2 202578$90.9M13.31%0.45%0.48%65.6%
Q1 202583$91.1M13.33%0.51%1.16%65.5%
Q4 202483$91.9M12.93%0.29%1.10%64.1%
Q3 202480$90.4M12.84%0.50%1.08%66.1%
Q2 202476$92.9M12.57%0.82%0.98%65.4%

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 ratio13.49%
43rd
Problem loans0.94%
41st
Net charge-offs0.53%
26th
Return on assets0.33%
33rd
Loans to deposits62.6%
44th
Uninsured deposits6.5%
15th
Loan-loss reserves0.00%
37th
Texas ratio3.8%
37th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Progressions Credit UnionCredit union Spokane, WA69 out of 100, Moderate$93.1M10.4%0.20%vs
Lower Columbia Longshoremen Federal Credit UnionCredit union Longview, WA68 out of 100, Moderate$95.8M12.3%1.32%vs
Snocope Credit UnionCredit union Everett, WA62 out of 100, Moderate$88.7M9.6%0.93%vs
Granco Federal Credit UnionCredit union Ephrata, WA59 out of 100, Moderate$99.0M11.9%2.28%vs
Sno Falls Credit UnionCredit union North Bend, WA52 out of 100, Below average$99.0M8.2%0.86%vs
Spokane Firefighters Credit UnionCredit union Spokane, WA87 out of 100, Very strong$86.4M14.5%0.15%vs

Deposit insurance

Is my money safe at Waterfront Federal Credit Union?

Yes. Waterfront Federal Credit Union is a federally insured credit union (NCUA charter #16178). 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 6.5% of shares and deposits ($5.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.49%, 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

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

All branch addresses and map

Identity & history

Profile

Legal name
Waterfront Federal Credit Union
Type
Federal credit union
NCUA charter #
16178
RSSD ID
945688
Primary regulator
NCUA
Established
1964
Headquarters
6419 Fauntleroy Way SW, Seattle, WA 98136
Employees
15

Quick answers

Waterfront Federal Credit Union: common questions

Is Waterfront Federal Credit Union NCUA insured?

Yes. Waterfront Federal Credit Union is a federally insured credit union (NCUA charter #16178). 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 Waterfront Federal 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 Waterfront Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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