Wcla Credit Union (NCUA charter #68328) is based in Olympia, Washington. Its Q2 2026 call report shows $141.9M in total assets and $111.8M in member shares and deposits and 1 office.
Wcla Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 89% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 9th. Capital cushion contributes the most (100/100, 17.50%); funding & liquidity contributes the least (36/100, 106% loans-to-deposits, 32% uninsured).
TellerScore · Q2 2026
Scorecard
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 8 points (78 → 86), mostly because the loan quality component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 76 |
| Q4 2024 | 83 |
| Q1 2025 | 74 |
| Q2 2025 | 78 |
| Q3 2025 | 65 |
| Q4 2025 | 70 |
| Q1 2026 | 64 |
| Q2 2026 | 86 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.67% |
| Q3 2024 | 16.05% |
| Q4 2024 | 16.92% |
| Q1 2025 | 16.19% |
| Q2 2025 | 15.86% |
| Q3 2025 | 16.23% |
| Q4 2025 | 16.44% |
| Q1 2026 | 16.65% |
| Q2 2026 | 17.50% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 1.20% |
| Q4 2024 | 0.46% |
| Q1 2025 | 1.07% |
| Q2 2025 | 0.77% |
| Q3 2025 | 2.32% |
| Q4 2025 | 1.89% |
| Q1 2026 | 2.50% |
| Q2 2026 | 0.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.52% |
| Q3 2024 | 1.59% |
| Q4 2024 | 1.63% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.42% |
| Q3 2025 | 1.59% |
| Q4 2025 | 1.57% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.81% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $141.9M | 17.50% | 0.29% | 1.81% | 105.7% |
| Q1 2026 | 64 | $144.9M | 16.65% | 2.50% | 1.55% | 104.8% |
| Q4 2025 | 70 | $143.3M | 16.44% | 1.89% | 1.57% | 104.2% |
| Q3 2025 | 65 | $141.7M | 16.23% | 2.32% | 1.59% | 110.5% |
| Q2 2025 | 78 | $140.6M | 15.86% | 0.77% | 1.42% | 110.1% |
| Q1 2025 | 74 | $134.2M | 16.19% | 1.07% | 1.25% | 108.8% |
| Q4 2024 | 83 | $125.9M | 16.92% | 0.46% | 1.63% | 108.9% |
| Q3 2024 | 76 | $129.6M | 16.05% | 1.20% | 1.59% | 106.9% |
| Q2 2024 | 77 | $129.1M | 15.67% | 0.99% | 1.52% | 108.4% |
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).
Similar-size credit unions in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cheney Federal Credit UnionCredit union Cheney, WA | 69 out of 100, Moderate | $147.9M | 10.0% | 0.55% | vs |
| Alaska Air Group Federal Credit UnionCredit union Seatac, WA | 89 out of 100, Very strong | $135.9M | 14.6% | 0.30% | vs |
| Mountaincrest Credit UnionCredit union Arlington, WA | 67 out of 100, Moderate | $152.9M | 14.4% | 2.22% | vs |
| Tacoma Longshoremen Credit UnionCredit union Tacoma, WA | 84 out of 100, Strong | $116.9M | 13.6% | 0.07% | vs |
| White River Credit UnionCredit union Enumclaw, WA | 82 out of 100, Strong | $114.2M | 17.3% | 1.01% | vs |
| Canopy Federal Credit UnionCredit union Spokane, WA | 51 out of 100, Below average | $222.0M | 9.0% | 0.86% | vs |
Deposit insurance
Is my money safe at Wcla Credit Union?
Yes. Wcla Credit Union is a federally insured credit union (NCUA charter #68328). 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 31.9% of shares and deposits ($35.6M) 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 17.50%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Wcla Credit Union lists 1 office in 1 city. Most locations:
- Olympia, WA (1)
Identity & history
Profile
- Legal name
- Wcla Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68328
- RSSD ID
- 250298
- Primary regulator
- State + NCUA
- Established
- 1984
- Headquarters
- PO Box 207, Olympia, WA 98507
- Employees
- 9
Quick answers
Wcla Credit Union: common questions
Is Wcla Credit Union NCUA insured?
Yes. Wcla Credit Union is a federally insured credit union (NCUA charter #68328). 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 Wcla Credit Union's TellerScore?
86 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 Wcla Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Olympia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Our Community Credit UnionCredit union Shelton, WA | 82 out of 100, Strong | $638.3M | 12.7% | 0.48% | vs |
| Sound Banking CompanyBank Lakewood, WA | 82 out of 100, Strong | $45.2M | 12.1% | 0.00% | vs |
| Timberland BankBank Hoquiam, WA | 78 out of 100, Strong | $2.1B | 12.9% | 0.56% | vs |
| Tapco Credit UnionCredit union Fircrest, WA | 78 out of 100, Strong | $735.7M | 10.2% | 0.34% | vs |
| Boeing Employees Credit UnionCredit union Tukwila, WA | 75 out of 100, Strong | $29.6B | 12.6% | 0.42% | vs |