North Coast Credit Union Bellingham, Washington
North Coast Credit Union is a state-chartered credit union headquartered in Bellingham, WA, established in 1939 (NCUA charter 66734), and it is regulated and insured by the NCUA. At Q2 2026 it reported 20,048 members and total assets of $426.7M (up 7.7% from Q2 2025), the 26th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 13.80% at Q2 2026, in the well capitalized band.
Also written as North Coast CU
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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
- 66734
- Headquarters
- Bellingham, WA
- Established
- 1939
- Total assets, Q2 2026
- $426.7M
- Assets vs Q2 2025
- +7.7%
- Members, Q2 2026
- 20,048
- Net worth ratio, Q2 2026
- 13.80%
- Latest call report
- Q2 2026, NCUA 5300 · North Coast Credit Union call report
- Asset rank in state
- 26th of 73 in Washington
- Routing number
- 325180184
- Branches
- 5
It has 370 fewer members than on June 30, 2025 (-1.8%). Its net worth ratio was down 0.01 percentage points from 13.81% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $110.9M of $263.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.67% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 13.80% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Washington
Credit unions merged into North Coast Credit Union
Tesoro Northwest Federal Credit Union (2021) · Pacific Northwest Credit Union (2015)
Frequently asked about North Coast Credit Union
How big is North Coast Credit Union?
At Q2 2026 it reported total assets of $426.7M and 20,048 members.
Where is North Coast Credit Union headquartered?
It is headquartered in Bellingham, WA, United States.
When was North Coast Credit Union founded?
It was established in 1939, per NCUA records.
Is North Coast Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66734): 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 North Coast 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 North Coast Credit Union well capitalized?
Its net worth ratio was 13.80% 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 North Coast Credit Union's delinquency ratio?
Its delinquency ratio was 0.67% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is North Coast Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.99% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Bellingham, WA 98225
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 66734
- RSSD ID
- 1892
- Members
- 20,048
- Potential members
- 202,502
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 13.80% | 11.43% | 76th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.17% | 0.81% | 71st above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.46% | 7.02% | 63rd above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.89% | 3.70% | 62nd above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 67.38% | 76.55% | 78th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.10% | 1.24% | 61st above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.67% | 0.68% | 51st above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.99% | 4.92% | 54th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 70.99% | 75.66% | 41st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$426.7M total assets against $396.2M; $371.8M total shares and deposits against $342.6M; $263.9M total loans against $262.9M.
$58.9M net worth against $54.7M.
13.80% net worth ratio against 13.81%.
70.99% loan-to-share ratio against 76.74%.
0.67% delinquency ratio against 0.53%.
1.17% return on assets against 1.30%; 8.46% return on equity against 9.42%.
3.89% net interest margin against 4.03%.
20,048 members against 20,418.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.80% | 1.17% | 0.67% | 70.99% |
| March 31, 2026 | 13.41% | 0.49% | 0.35% | 70.39% |
| December 31, 2025 | 13.57% | 1.40% | 0.56% | 72.23% |
| September 30, 2025 | 13.52% | 1.01% | 0.48% | 74.26% |
| June 30, 2025 | 13.81% | 1.30% | 0.53% | 76.74% |
| March 31, 2025 | 13.64% | 0.71% | 0.53% | 74.52% |
Scroll sideways to see every column.
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.