Credit Union Safety Analysis
Is Industrial Credit Union of Whatcom County Safe? Bellingham, Washington
Based on its Q2 2026 NCUA 5300 call report, Industrial Credit Union of Whatcom County has a net worth ratio of 12.06%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.26%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Industrial Credit Union of Whatcom County and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Industrial Credit Union of Whatcom County's net worth ratio is 12.06%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.06%
- Delinquency ratio (60+ days) (Q2 2026): 0.26%
- Return on assets (Q2 2026): 0.75%
- Loan-to-share ratio (Q2 2026): 75.66%
Industrial Credit Union of Whatcom County (NCUA charter 66337, established 1941) reported $391.6M in assets and 32,854 members for Q2 2026 from Bellingham, Washington. It ranks 28 of 73 credit unions in Washington by total assets. Total assets fell 3.2% from $404.7M on June 30, 2025. It has 1,107 fewer members than on June 30, 2025 (-3.3%). Its net worth ratio was up 0.94 percentage points from 11.12% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $129.0M of $257.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.26% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.77% for Q1 2026; 11.12% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.43% for Q1 2026; 0.57% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.30% for Q1 2026; 0.57% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 74.81% for Q1 2026; 72.38% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $129.0M
- Used vehicle loans: $97.0M
- New vehicle loans: $10.5M
- Unsecured credit card loans: $10.3M
- Other unsecured loans and lines of credit: $6.1M
- Other secured non-real estate loans and lines of credit: $4.7M
- Commercial loans: $68K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $391.6M | 12.06% | 0.26% | 0.75% | 75.66% |
| March 31, 2026 | $395.1M | 11.77% | 0.43% | 0.30% | 74.81% |
| December 31, 2025 | $388.4M | 11.90% | 0.65% | 0.65% | 76.38% |
| September 30, 2025 | $396.0M | 11.58% | 0.73% | 0.89% | 74.19% |
| June 30, 2025 | $404.7M | 11.12% | 0.57% | 0.57% | 72.38% |
| March 31, 2025 | $391.9M | 11.33% | 0.43% | 0.43% | 76.15% |
Add this badge to your website
Free to use. It shows Industrial Credit Union of Whatcom County’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.
Industrial Credit Union of Whatcom County profile
Regulator records: NCUA credit union profile (charter 66337) · FFIEC NIC profile (RSSD 122591)
Frequently asked questions
Is Industrial Credit Union of Whatcom County well capitalized?
On its Q2 2026 NCUA 5300 call report, Industrial Credit Union of Whatcom County's net worth ratio is 12.06%, above the 7% NCUA threshold for well capitalized.
Is Industrial Credit Union of Whatcom County FDIC insured?
No. The FDIC insures banks, not credit unions. Industrial Credit Union of Whatcom County is a federally insured credit union (NCUA charter 66337): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Industrial Credit Union of Whatcom County's key safety ratios?
For Q2 2026, Industrial Credit Union of Whatcom County reports net worth 12.06%, delinquency 0.26%, ROA 0.75%, loan-to-share 75.66%.
What happens to my money if Industrial Credit Union of Whatcom County fails?
For Q2 2026, Industrial Credit Union of Whatcom County held $340.7M in shares and deposits for 32,854 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.