Credit Union Safety Analysis
Is Puget Sound Cooperative Credit Union Safe? Bellevue, Washington
Based on its Q2 2026 NCUA 5300 call report, Puget Sound Cooperative Credit Union has a net worth ratio of 11.23%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.57%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Puget Sound Cooperative Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Puget Sound Cooperative Credit Union's net worth ratio is 11.23%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.23%
- Delinquency ratio (60+ days) (Q2 2026): 0.57%
- Return on assets (Q2 2026): 0.19%
- Loan-to-share ratio (Q2 2026): 83.83%
Puget Sound Cooperative Credit Union (NCUA charter 68204, established 1957) reported $273.8M in assets and 16,610 members for Q2 2026 from Bellevue, Washington. It ranks 32 of 73 credit unions in Washington by total assets. Total assets grew 5.9% from $258.5M on June 30, 2025. It has 867 fewer members than on June 30, 2025 (-5.0%). Its net worth ratio was up 2.94 percentage points from 8.29% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $172.5M of $202.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.57% 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: 10.93% for Q1 2026; 8.29% 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: 0.61% for Q1 2026; 0.27% 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: 0.25% for Q1 2026; 0.42% 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: 85.23% for Q1 2026; 98.81% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $172.5M
- 1- to 4-family residential and other consumer real estate loans: $24.1M
- Unsecured credit card loans: $2.2M
- New vehicle loans: $1.5M
- Used vehicle loans: $1.1M
- Other unsecured loans and lines of credit: $328K
- Commercial loans: $108K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $273.8M | 11.23% | 0.57% | 0.19% | 83.83% |
| March 31, 2026 | $280.0M | 10.93% | 0.61% | 0.25% | 85.23% |
| December 31, 2025 | $269.5M | 11.29% | 0.45% | 0.92% | 93.23% |
| September 30, 2025 | $257.5M | 8.46% | 0.39% | 0.54% | 98.65% |
| June 30, 2025 | $258.5M | 8.29% | 0.27% | 0.42% | 98.81% |
| March 31, 2025 | $266.4M | 7.95% | 0.27% | 0.27% | 96.82% |
Add this badge to your website
Free to use. It shows Puget Sound Cooperative Credit Union’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.
Puget Sound Cooperative Credit Union profile
Regulator records: NCUA credit union profile (charter 68204) · FFIEC NIC profile (RSSD 190796)
Frequently asked questions
Is Puget Sound Cooperative Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Puget Sound Cooperative Credit Union's net worth ratio is 11.23%, above the 7% NCUA threshold for well capitalized.
Is Puget Sound Cooperative Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Puget Sound Cooperative Credit Union is a federally insured credit union (NCUA charter 68204): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Puget Sound Cooperative Credit Union's key safety ratios?
For Q2 2026, Puget Sound Cooperative Credit Union reports net worth 11.23%, delinquency 0.57%, ROA 0.19%, loan-to-share 83.83%.
What happens to my money if Puget Sound Cooperative Credit Union fails?
For Q2 2026, Puget Sound Cooperative Credit Union held $240.9M in shares and deposits for 16,610 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.