Credit Union Safety Analysis
Is Tri-Cities Community Federal Credit Union Safe? Kennewick, Washington
Based on its Q2 2026 NCUA 5300 call report, Tri-Cities Community Federal Credit Union has a net worth ratio of 14.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.47%, 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, Tri-Cities Community Federal Credit Union's net worth ratio is 14.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.62%
- Delinquency ratio (60+ days) (Q2 2026): 1.47%
- Return on assets (Q2 2026): 0.81%
- Loan-to-share ratio (Q2 2026): 95.92%
Tri-Cities Community Federal Credit Union (NCUA charter 19608, established 1969) reported $75.6M in assets and 5,588 members for Q2 2026 from Kennewick, Washington. It ranks 52 of 73 credit unions in Washington by total assets. Total assets grew 2.3% from $73.9M on June 30, 2025. It has 31 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was up 0.51 percentage points from 14.11% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $36.6M of $61.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.47% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.60% for Q1 2026; 14.11% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.17% for Q1 2026; 0.95% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.46% for Q1 2026; 1.40% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 96.18% for Q1 2026; 97.16% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $36.6M
- Other secured non-real estate loans and lines of credit: $17.1M
- Used vehicle loans: $5.2M
- New vehicle loans: $1.9M
- Unsecured credit card loans: $398K
- Other unsecured loans and lines of credit: $40K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $75.6M | 14.62% | 1.47% | 0.81% | 95.92% |
| March 31, 2026 | $74.6M | 14.60% | 1.17% | 0.46% | 96.18% |
| December 31, 2025 | $76.9M | 14.06% | 1.48% | 0.92% | 92.10% |
| September 30, 2025 | $75.2M | 14.14% | 1.10% | 1.13% | 95.83% |
| June 30, 2025 | $73.9M | 14.11% | 0.95% | 1.40% | 97.16% |
| March 31, 2025 | $73.2M | 13.89% | 1.07% | 1.16% | 96.41% |
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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.
Tri-Cities Community Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 19608) · FFIEC NIC profile (RSSD 303185)
Frequently asked questions
Is Tri-Cities Community Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Tri-Cities Community Federal Credit Union's net worth ratio is 14.62%, above the 7% NCUA threshold for well capitalized.
Is Tri-Cities Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Tri-Cities Community Federal Credit Union is a federally insured credit union (NCUA charter 19608): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Tri-Cities Community Federal Credit Union's key safety ratios?
For Q2 2026, Tri-Cities Community Federal Credit Union reports net worth 14.62%, delinquency 1.47%, ROA 0.81%, loan-to-share 95.92%.
What happens to my money if Tri-Cities Community Federal Credit Union fails?
For Q2 2026, Tri-Cities Community Federal Credit Union held $63.9M in shares and deposits for 5,588 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.