Industrial CU of Whatcom County
Bellingham, WA · Charter 66337 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
$391.6MAssets
$257.7MLoans
$340.7MShares
$47.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets (rank 422 of 1682).
- Widest gap: return on assets trails 65% of credit unions under $1B in assets (rank 1101 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.53%
Rank 1,101 of 1,683
Net Interest Margin
4.23%
Rank 484 of 1,683
Efficiency Ratio
78.70%
Rank 866 of 1,682
Equity / Assets
12.06%
Rank 986 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.53% | 0.35% | 0.74% | 1.18% | Beats 35% | 1,101 / 1,683 | |
| Return on Equity | 4.35% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,043 / 1,681 | |
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 71% | 484 / 1,683 | |
| Efficiency Ratio | 78.70% | 68.91% | 78.20% | 86.93% | Beats 49% | 866 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.26% | 0.26% | 0.65% | 1.29% | Beats 75% | 422 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.06% | 10.44% | 12.89% | 16.53% | Beats 41% | 986 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.06% | 10.44% | 12.89% | 16.53% | Beats 41% | 986 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 75.66% | 52.61% | 69.38% | 83.50% | 61st pctl | 656 / 1,683 | |
| Loans / Assets | 65.81% | 44.71% | 59.18% | 70.72% | 64th pctl | 608 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |