Credit Union Safety Analysis
Is Kitsap Credit Union Safe? Bremerton, Washington
Based on its Q2 2026 NCUA 5300 call report, Kitsap Credit Union has a net worth ratio of 8.33%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.79%, 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, Kitsap Credit Union's net worth ratio is 8.33%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.33%
- Delinquency ratio (60+ days) (Q2 2026): 0.79%
- Return on assets (Q2 2026): 0.37%
- Loan-to-share ratio (Q2 2026): 88.73%
Kitsap Credit Union (NCUA charter 68576, established 1934) reported $2.51B in assets and 166,096 members for Q2 2026 from Bremerton, Washington. It ranks 12 of 73 credit unions in Washington by total assets. Total assets grew 6.9% from $2.35B on June 30, 2025. It has 5,507 more members than on June 30, 2025 (+3.4%). Its net worth ratio was down 0.30 percentage points from 8.63% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $736.3M of $2.01B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.79% 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: 8.20% for Q1 2026; 8.63% 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: 0.73% for Q1 2026; 0.96% 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: 0.28% for Q1 2026; 0.12% 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: 86.93% for Q1 2026; 89.38% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $736.3M
- Used vehicle loans: $569.5M
- Other secured non-real estate loans and lines of credit: $255.7M
- New vehicle loans: $227.5M
- Unsecured credit card loans: $90.6M
- Commercial loans: $86.8M
- Other unsecured loans and lines of credit: $43.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.51B | 8.33% | 0.79% | 0.37% | 88.73% |
| March 31, 2026 | $2.52B | 8.20% | 0.73% | 0.28% | 86.93% |
| December 31, 2025 | $2.52B | 8.12% | 0.79% | 0.43% | 87.49% |
| September 30, 2025 | $2.44B | 8.29% | 0.80% | 0.57% | 84.79% |
| June 30, 2025 | $2.35B | 8.63% | 0.96% | 0.12% | 89.38% |
| March 31, 2025 | $2.33B | 8.66% | 0.87% | 0.29% | 88.28% |
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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.
Regulator records: NCUA credit union profile (charter 68576) · FFIEC NIC profile (RSSD 754693)
Frequently asked questions
Is Kitsap Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Kitsap Credit Union's net worth ratio is 8.33%, above the 7% NCUA threshold for well capitalized.
Is Kitsap Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Kitsap Credit Union is a federally insured credit union (NCUA charter 68576): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Kitsap Credit Union's key safety ratios?
For Q2 2026, Kitsap Credit Union reports net worth 8.33%, delinquency 0.79%, ROA 0.37%, loan-to-share 88.73%.
What happens to my money if Kitsap Credit Union fails?
For Q2 2026, Kitsap Credit Union held $2.26B in shares and deposits for 166,096 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.