Credit Union Safety Analysis
Is O Bee Credit Union Safe? Tumwater, Washington
Based on its Q2 2026 NCUA 5300 call report, O Bee Credit Union has a net worth ratio of 8.68%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.96%, 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, O Bee Credit Union's net worth ratio is 8.68%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.68%
- Delinquency ratio (60+ days) (Q2 2026): 0.96%
- Return on assets (Q2 2026): 0.48%
- Loan-to-share ratio (Q2 2026): 105.47%
O Bee Credit Union (NCUA charter 60059, established 1955) reported $676.6M in assets and 36,634 members for Q2 2026 from Tumwater, Washington. It ranks 24 of 73 credit unions in Washington by total assets. Total assets grew 6.2% from $637.0M on June 30, 2025. It has 1,086 more members than on June 30, 2025 (+3.1%). Its net worth ratio was up 0.12 percentage points from 8.56% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $298.5M of $603.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.96% is above 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: 8.68% for Q1 2026; 8.56% 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: 0.79% for Q1 2026; 0.52% 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: 0.74% for Q1 2026; 0.52% 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: 104.83% for Q1 2026; 107.80% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $298.5M
- Used vehicle loans: $119.8M
- Commercial loans: $106.6M
- New vehicle loans: $28.5M
- Unsecured credit card loans: $18.7M
- Other unsecured loans and lines of credit: $15.6M
- Other secured non-real estate loans and lines of credit: $15.5M
- Non-federally guaranteed student loans: $81K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $676.6M | 8.68% | 0.96% | 0.48% | 105.47% |
| March 31, 2026 | $667.1M | 8.68% | 0.79% | 0.74% | 104.83% |
| December 31, 2025 | $651.8M | 8.62% | 0.76% | 0.74% | 104.28% |
| September 30, 2025 | $649.1M | 8.71% | 0.88% | 1.00% | 103.92% |
| June 30, 2025 | $637.0M | 8.56% | 0.52% | 0.52% | 107.80% |
| March 31, 2025 | $628.6M | 8.54% | 0.61% | 0.27% | 105.10% |
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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 60059) · FFIEC NIC profile (RSSD 201094)
Frequently asked questions
Is O Bee Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, O Bee Credit Union's net worth ratio is 8.68%, above the 7% NCUA threshold for well capitalized.
Is O Bee Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. O Bee Credit Union is a federally insured credit union (NCUA charter 60059): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are O Bee Credit Union's key safety ratios?
For Q2 2026, O Bee Credit Union reports net worth 8.68%, delinquency 0.96%, ROA 0.48%, loan-to-share 105.47%.
What happens to my money if O Bee Credit Union fails?
For Q2 2026, O Bee Credit Union held $571.9M in shares and deposits for 36,634 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.