Credit Union Safety Analysis
Is Longshoremen's Local 4 Federal Credit Union Safe? Vancouver, Washington
Based on its Q2 2026 NCUA 5300 call report, Longshoremen's Local 4 Federal Credit Union has a net worth ratio of 23.84%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.33%, 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, Longshoremen's Local 4 Federal Credit Union's net worth ratio is 23.84%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.84%
- Delinquency ratio (60+ days) (Q2 2026): 0.33%
- Return on assets (Q2 2026): 1.70%
- Loan-to-share ratio (Q2 2026): 63.04%
Longshoremen's Local 4 Federal Credit Union (NCUA charter 10799, established 1956) reported $39.3M in assets and 1,101 members for Q2 2026 from Vancouver, Washington. It ranks 62 of 73 credit unions in Washington by total assets. Total assets grew 3.0% from $38.2M on June 30, 2025. It has 67 more members than on June 30, 2025 (+6.5%). Its net worth ratio was up 1.14 percentage points from 22.70% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $11.5M of $18.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.33% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 23.03% for Q1 2026; 22.70% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.35% for Q1 2026; 0.27% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.52% for Q1 2026; 1.30% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 59.24% for Q1 2026; 61.06% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $11.5M
- New vehicle loans: $2.6M
- Used vehicle loans: $2.0M
- Other secured non-real estate loans and lines of credit: $1.7M
- Other unsecured loans and lines of credit: $507K
- Unsecured credit card loans: $446K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $39.3M | 23.84% | 0.33% | 1.70% | 63.04% |
| March 31, 2026 | $40.0M | 23.03% | 0.35% | 1.52% | 59.24% |
| December 31, 2025 | $37.3M | 24.30% | 0.35% | 2.83% | 64.10% |
| September 30, 2025 | $38.0M | 23.15% | 0.41% | 1.30% | 62.88% |
| June 30, 2025 | $38.2M | 22.70% | 0.27% | 1.30% | 61.06% |
| March 31, 2025 | $39.8M | 21.46% | 0.27% | 1.35% | 57.34% |
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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.
Longshoremen's Local 4 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10799) · FFIEC NIC profile (RSSD 190787)
Frequently asked questions
Is Longshoremen's Local 4 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Longshoremen's Local 4 Federal Credit Union's net worth ratio is 23.84%, above the 7% NCUA threshold for well capitalized.
Is Longshoremen's Local 4 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Longshoremen's Local 4 Federal Credit Union is a federally insured credit union (NCUA charter 10799): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Longshoremen's Local 4 Federal Credit Union's key safety ratios?
For Q2 2026, Longshoremen's Local 4 Federal Credit Union reports net worth 23.84%, delinquency 0.33%, ROA 1.70%, loan-to-share 63.04%.
What happens to my money if Longshoremen's Local 4 Federal Credit Union fails?
For Q2 2026, Longshoremen's Local 4 Federal Credit Union held $29.7M in shares and deposits for 1,101 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.