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.

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).

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

Yes. Whatcom Educational Credit Union is a federally insured credit union (NCUA charter #66373). 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 12.0% of shares and deposits ($330.0M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.21%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Whatcom Educational Credit Union lists 9 offices in 5 cities. Most locations:

• Bellingham, WA (5)
• Blaine, WA (1)
• Everson, WA (1)
• Ferndale, WA (1)
• Lynden, WA (1)

All branch addresses and map

In 2025, Whatcom Educational Credit Union reported 1,600 home-loan applications under HMDA (LEI 5493003Q3L1PO9NBVK64): 1,016 originated ($317,300,000 total), 301 denied, and 271 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.6%, 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.

All Whatcom Educational Credit Union card terms

Legal name

Whatcom Educational Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

66373

RSSD ID

656395

Primary regulator

State + NCUA

Established

1936

Headquarters

PO Box 9750, Bellingham, WA 98227

Employees

437