Credit Union Safety Analysis
Is Harborstone Credit Union Safe? Lakewood, Washington
Based on its Q2 2026 NCUA 5300 call report, Harborstone Credit Union has a net worth ratio of 9.34%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.08%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Harborstone Credit Union's net worth ratio is 9.34%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.34%
- Delinquency ratio (60+ days) (Q2 2026): 1.08%
- Return on assets (Q2 2026): 0.04%
- Loan-to-share ratio (Q2 2026): 93.51%
Harborstone Credit Union (NCUA charter 66399, established 1955) reported $3.13B in assets and 121,878 members for Q2 2026 from Lakewood, Washington. It ranks 9 of 73 credit unions in Washington by total assets. Total assets grew 42.1% from $2.21B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.60% for Q1 2026; 11.53% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.80% for Q1 2026; 0.84% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.06% for Q1 2026; 0.38% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 89.25% for Q1 2026; 87.09% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $729.4M
- Commercial loans: $677.1M
- Used vehicle loans: $617.6M
- Other secured non-real estate loans and lines of credit: $202.8M
- New vehicle loans: $135.8M
- Other unsecured loans and lines of credit: $63.8M
- Unsecured credit card loans: $2.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.13B | 9.34% | 1.08% | 0.04% | 93.51% |
| March 31, 2026 | $3.05B | 9.60% | 0.80% | 0.06% | 89.25% |
| December 31, 2025 | $3.07B | 9.50% | 1.04% | 0.68% | 89.49% |
| September 30, 2025 | $2.91B | 9.32% | 0.88% | -0.50% | 91.27% |
| June 30, 2025 | $2.21B | 11.53% | 0.84% | 0.38% | 87.09% |
| March 31, 2025 | $2.17B | 11.64% | 0.70% | 3.21% | 84.42% |
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Free to use. It shows Harborstone Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Harborstone Credit Union profile
Regulator records: NCUA credit union profile (charter 66399) · FFIEC NIC profile (RSSD 8695)
Frequently asked questions
Is Harborstone Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Harborstone Credit Union's net worth ratio is 9.34%, above the 7% NCUA threshold for well capitalized.
Is Harborstone Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Harborstone Credit Union is a federally insured credit union (NCUA charter 66399): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Harborstone Credit Union's key safety ratios?
For Q2 2026, Harborstone Credit Union reports net worth 9.34%, delinquency 1.08%, ROA 0.04%, loan-to-share 93.51%.
What happens to my money if Harborstone Credit Union fails?
For Q2 2026, Harborstone Credit Union held $2.60B in shares and deposits for 121,878 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.