TellerScore

Headquartered in Enumclaw, Washington, White River Credit Union is a federally insured state-chartered credit union with $114.2M in total assets and $94.4M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1952.

Based on its Q2 2026 filing, White River Credit Union scores 82/100, which we describe as strong. That is higher than 82% of 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 14th. Its strongest component is capital cushion (100/100; 17.29%), and its lowest is earnings (59/100; 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.29%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.01%
Earnings59/100
Return on assets (annualized): 0.99%
Funding & liquidity95/100
Loans ÷ shares: 65.6% · 3.3% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.24%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 82).

TellerScore
737882Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202476
Q4 202480
Q1 202581
Q2 202582
Q3 202580
Q4 202578
Q1 202673
Q2 202682
Net worth ratio
7.00%12.14%17.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.71%
Q3 202415.01%
Q4 202415.41%
Q1 202515.44%
Q2 202515.66%
Q3 202516.25%
Q4 202516.48%
Q1 202616.63%
Q2 202617.29%
Delinquent loans (60+ days)
1.01%1.34%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.46%
Q3 20241.68%
Q4 20241.44%
Q1 20251.36%
Q2 20251.25%
Q3 20251.65%
Q4 20251.68%
Q1 20261.38%
Q2 20261.01%
Return on assets
0.15%0.77%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.11%
Q4 20241.22%
Q1 20251.12%
Q2 20251.20%
Q3 20251.40%
Q4 20251.22%
Q1 20260.15%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$114.2M17.29%1.01%0.99%65.6%
Q1 202673$115.6M16.63%1.38%0.15%61.4%
Q4 202578$116.4M16.48%1.68%1.22%62.1%
Q3 202580$116.9M16.25%1.65%1.40%61.7%
Q2 202582$118.0M15.66%1.25%1.20%64.1%
Q1 202581$117.2M15.44%1.36%1.12%61.9%
Q4 202480$115.3M15.41%1.44%1.22%64.4%
Q3 202476$115.4M15.01%1.68%1.11%67.2%
Q2 202479$116.1M14.71%1.46%1.23%66.2%

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 ratio17.29%
93rd
Problem loans1.01%
29th
Net charge-offs1.84%
2nd
Return on assets0.99%
65th
Loans to deposits65.6%
69th
Uninsured deposits3.3%
79th
Loan-loss reserves0.00%
50th
Texas ratio3.2%
58th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Tacoma Longshoremen Credit UnionCredit union Tacoma, WA84 out of 100, Strong$116.9M13.6%0.07%vs
Alaska Air Group Federal Credit UnionCredit union Seatac, WA89 out of 100, Very strong$135.9M14.6%0.30%vs
Wcla Credit UnionCredit union Olympia, WA86 out of 100, Very strong$141.9M17.5%0.29%vs
Cheney Federal Credit UnionCredit union Cheney, WA69 out of 100, Moderate$147.9M10.0%0.55%vs
Mountaincrest Credit UnionCredit union Arlington, WA67 out of 100, Moderate$152.9M14.4%2.22%vs
Canopy Federal Credit UnionCredit union Spokane, WA51 out of 100, Below average$222.0M9.0%0.86%vs

Deposit insurance

Is my money safe at White River Credit Union?

Yes. White River Credit Union is a federally insured credit union (NCUA charter #67201). 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 3.3% of shares and deposits ($3.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.29%, 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

White River Credit Union lists 1 office in 1 city. Most locations:

  • Enumclaw, WA (1)

All branch addresses and map

Identity & history

Profile

Legal name
White River Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67201
RSSD ID
325187
Primary regulator
State + NCUA
Established
1952
Headquarters
PO Box 35, Enumclaw, WA 98022
Employees
25

Quick answers

White River Credit Union: common questions

Is White River Credit Union NCUA insured?

Yes. White River Credit Union is a federally insured credit union (NCUA charter #67201). 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 White River Credit Union's TellerScore?

82 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 White River Credit Union have?

1 office as of the latest NCUA data.