Harborstone Credit Union Lakewood, Washington
Harborstone Credit Union is a state-chartered credit union headquartered in Lakewood, WA, established in 1955 (NCUA charter 66399), and it is regulated and insured by the NCUA. At Q2 2026 it reported 121,878 members and total assets of $3.13B (up 42.1% from Q2 2025), the 9th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 9.34% at Q2 2026, in the well capitalized band.
Also written as Harborstone CU · Trade names filed with the NCUA: Savi powered by Harborstone Credit Union, Generations Credit Union and Community 1st Credit Union
BankRegReports is independent of Harborstone Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 66399
- Headquarters
- Lakewood, WA
- Established
- 1955
- Total assets, Q2 2026
- $3.13B
- Assets vs Q2 2025
- +42.1%
- Members, Q2 2026
- 121,878
- Net worth ratio, Q2 2026
- 9.34%
- Latest call report
- Q2 2026, NCUA 5300 · Harborstone Credit Union call report
- Asset rank in state
- 9th of 73 in Washington
- Routing number
- 325180870
- Branches
- 31
It has 27,101 more members than on June 30, 2025 (+28.6%). Its net worth ratio was down 2.19 percentage points from 11.53% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $729.4M of $2.43B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.08% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.34% net worth ratio is below that band's 10.89% median.
Credit unions merged into Harborstone Credit Union
Community 1st Credit Union (2025) · Tulip Cooperative Credit Union (2016)
Frequently asked about Harborstone Credit Union
How big is Harborstone Credit Union?
At Q2 2026 it reported total assets of $3.13B and 121,878 members.
Where is Harborstone Credit Union headquartered?
It is headquartered in Lakewood, WA, United States.
When was Harborstone Credit Union founded?
It was established in 1955, per NCUA records.
Is Harborstone Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66399): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Harborstone Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Harborstone Credit Union well capitalized?
Its net worth ratio was 9.34% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Harborstone Credit Union's delinquency ratio?
Its delinquency ratio was 1.08% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Harborstone Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.51% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Lakewood, WA 98499
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 66399
- RSSD ID
- 8695
- Members
- 121,878
- Potential members
- 1,574,402
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.34% | 10.89% | 17th bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.04% | 0.89% | under 10th bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 0.47% | 8.07% | under 10th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.62% | 3.45% | 62nd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 82.54% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.74% | 1.68% | 46th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.08% | 0.68% | 24th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.36% | 5.12% | 67th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.51% | 88.03% | 69th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.13B total assets against $2.21B; $2.60B total shares and deposits against $1.88B; $2.43B total loans against $1.64B.
$292.8M net worth against $254.6M.
9.34% net worth ratio against 11.53%.
93.51% loan-to-share ratio against 87.09%.
1.08% delinquency ratio against 0.84%.
0.04% return on assets against 0.38%; 0.47% return on equity against 3.27%.
3.62% net interest margin against 3.23%.
121,878 members against 94,777.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.34% | 0.04% | 1.08% | 93.51% |
| March 31, 2026 | 9.60% | 0.06% | 0.80% | 89.25% |
| December 31, 2025 | 9.50% | 0.68% | 1.04% | 89.49% |
| September 30, 2025 | 9.32% | -0.50% | 0.88% | 91.27% |
| June 30, 2025 | 11.53% | 0.38% | 0.84% | 87.09% |
| March 31, 2025 | 11.64% | 3.21% | 0.70% | 84.42% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.