Solarity Credit Union Yakima, Washington
Solarity Credit Union is a state-chartered credit union headquartered in Yakima, WA, established in 1939 (NCUA charter 68061), and it is regulated and insured by the NCUA. At Q2 2026 it reported 45,534 members and total assets of $803.5M (down 1.3% from Q2 2025), the 20th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 17.60% at Q2 2026, in the well capitalized band.
Also written as Solarity CU · Trade names filed with the NCUA: Solarity Mortgage Center, Solarity Mortgage, Solarity Lending Center, Solarity Lending, Solarity Engagement Center and Solarity Business Services
BankRegReports is independent of Solarity Credit Union and never asks for online banking logins or passwords.
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
- 68061
- Headquarters
- Yakima, WA
- Established
- 1939
- Total assets, Q2 2026
- $803.5M
- Assets vs Q2 2025
- -1.3%
- Members, Q2 2026
- 45,534
- Net worth ratio, Q2 2026
- 17.60%
- Latest call report
- Q2 2026, NCUA 5300 · Solarity Credit Union call report
- Asset rank in state
- 20th of 73 in Washington
- Routing number
- 325183738
- Branches
- 6
It has 1,911 fewer members than on June 30, 2025 (-4.0%). Its net worth ratio was up 0.51 percentage points from 17.09% on June 30, 2025. Commercial loans are its largest loan category, $320.4M of $675.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.44% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 17.60% net worth ratio is above that band's 11.43% median.
Frequently asked about Solarity Credit Union
How big is Solarity Credit Union?
At Q2 2026 it reported total assets of $803.5M and 45,534 members.
Where is Solarity Credit Union headquartered?
It is headquartered in Yakima, WA, United States.
When was Solarity Credit Union founded?
It was established in 1939, per NCUA records.
Is Solarity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68061): 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 Solarity 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 Solarity Credit Union well capitalized?
Its net worth ratio was 17.60% 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 Solarity Credit Union's delinquency ratio?
Its delinquency ratio was 0.44% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Solarity Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 109.21% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Yakima, WA 98902
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 68061
- RSSD ID
- 340993
- Members
- 45,534
- Potential members
- 8,001,020
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 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 17.60% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | -0.18% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | -1.03% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.49% | 3.70% | 37th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 84.98% | 76.55% | 22nd bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.24% | 1.24% | 50th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.44% | 0.68% | 70th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.73% | 4.92% | 38th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 109.21% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$803.5M total assets against $814.0M; $618.8M total shares and deposits against $623.6M; $675.7M total loans against $668.2M.
$141.5M net worth against $139.2M.
17.60% net worth ratio against 17.09%.
109.21% loan-to-share ratio against 107.15%.
0.44% delinquency ratio against 0.35%.
-0.18% return on assets against 0.71%; -1.03% return on equity against 4.13%.
3.49% net interest margin against 3.21%.
45,534 members against 47,445.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.60% | -0.18% | 0.44% | 109.21% |
| March 31, 2026 | 16.76% | 0.18% | 0.17% | 102.41% |
| December 31, 2025 | 16.99% | 0.38% | 0.21% | 103.22% |
| September 30, 2025 | 17.09% | 0.87% | 0.10% | 105.82% |
| June 30, 2025 | 17.09% | 0.71% | 0.35% | 107.15% |
| March 31, 2025 | 16.86% | 0.32% | 0.29% | 106.90% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.