Bellingham, Washington · Peer group 6
Whatcom Educational Credit Union
Whatcom Educational Credit Union holds $3.33B in assets across 170,035 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1936. Charter number 66373, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $3.33B |
|---|---|
| Total loans | $2.72B |
| Total shares (deposits) | $2.74B |
| Net worth | $374.3M |
| Members | 170,035 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 11.1% | |
|---|---|---|
| Loans | 10.4% | around the 84th percentile of its peer group |
| Deposits | 11.8% | higher than 93% of its peer group |
| Members | 2.1% | around the 56th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 99.2% | higher than 91% of its peer group |
|---|---|---|
| Net worth ratio | 11.3% | around the 61st percentile of its peer group |
| Return on assets | 0.57% | around the 40th percentile of its peer group |
| Delinquency ratio | 0.70% | around the 59th percentile of its peer group |
| Cash / assets | 8.0% | around the 46th percentile of its peer group |
| Borrowings / assets | 5.3% | around the 77th percentile of its peer group |
What this page does not show
Everything above is Whatcom Educational Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Washington — the comparison set a peer ratio is measured against.
- Sound Credit Union
Tacoma, WA
$3.45B · 181,030 members
- Hapo Community Credit Union
Richland, WA
$3.09B · 213,152 members
- Harborstone Credit Union
TACOMA, WA
$3.05B · 120,361 members
- Columbia Community Credit Union
VANCOUVER, WA
$2.59B · 121,381 members
- Kitsap Credit Union
BREMERTON, WA
$2.52B · 165,074 members
- Peak Credit Union
OLYMPIA, WA
$4.27B · 267,669 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Whatcom Educational Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.