Credit Union Safety Analysis
Is Qualstar Credit Union Safe? Bothell, Washington
Based on its Q2 2026 NCUA 5300 call report, Qualstar Credit Union has a net worth ratio of 15.99%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.41%, 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, Qualstar Credit Union's net worth ratio is 15.99%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.99%
- Delinquency ratio (60+ days) (Q2 2026): 1.41%
- Return on assets (Q2 2026): 1.41%
- Loan-to-share ratio (Q2 2026): 73.23%
Qualstar Credit Union (NCUA charter 68223, established 1952) reported $939.3M in assets and 62,877 members for Q2 2026 from Bothell, Washington. It ranks 19 of 73 credit unions in Washington by total assets. Total assets grew 7.5% from $874.2M on June 30, 2025. It has 4,978 fewer members than on June 30, 2025 (-7.3%). Its net worth ratio was up 0.12 percentage points from 15.87% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $258.5M of $567.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.41% 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: 15.92% for Q1 2026; 15.87% 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: 1.27% for Q1 2026; 1.79% 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: 1.41% for Q1 2026; 0.97% 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: 73.61% for Q1 2026; 75.01% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $258.5M
- Other secured non-real estate loans and lines of credit: $80.6M
- Used vehicle loans: $72.2M
- Unsecured credit card loans: $71.3M
- New vehicle loans: $50.8M
- Other unsecured loans and lines of credit: $27.7M
- Commercial loans: $6.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $939.3M | 15.99% | 1.41% | 1.41% | 73.23% |
| March 31, 2026 | $923.1M | 15.92% | 1.27% | 1.41% | 73.61% |
| December 31, 2025 | $902.1M | 15.93% | 1.51% | 0.60% | 76.22% |
| September 30, 2025 | $891.4M | 15.97% | 1.28% | 2.37% | 76.52% |
| June 30, 2025 | $874.2M | 15.87% | 1.79% | 0.97% | 75.01% |
| March 31, 2025 | $873.0M | 14.45% | 1.81% | 0.84% | 72.71% |
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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 68223) · FFIEC NIC profile (RSSD 553980)
Frequently asked questions
Is Qualstar Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Qualstar Credit Union's net worth ratio is 15.99%, above the 7% NCUA threshold for well capitalized.
Is Qualstar Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Qualstar Credit Union is a federally insured credit union (NCUA charter 68223): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Qualstar Credit Union's key safety ratios?
For Q2 2026, Qualstar Credit Union reports net worth 15.99%, delinquency 1.41%, ROA 1.41%, loan-to-share 73.23%.
What happens to my money if Qualstar Credit Union fails?
For Q2 2026, Qualstar Credit Union held $774.6M in shares and deposits for 62,877 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.