Utility Employees Federal Credit Union Hoquiam, Washington
Utility Employees Federal Credit Union is a federal credit union headquartered in Hoquiam, WA, established in 1936 (NCUA charter 1851), and it is regulated and insured by the NCUA. At Q2 2026 it reported 371 members and total assets of $3.2M (down 13.4% from Q2 2025), the 73rd largest of 73 credit unions headquartered in Washington. Its net worth ratio was 19.42% at Q2 2026, in the well capitalized band.
Also written as Utility Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 1851
- Headquarters
- Hoquiam, WA
- Established
- 1936
- Total assets, Q2 2026
- $3.2M
- Assets vs Q2 2025
- -13.4%
- Members, Q2 2026
- 371
- Net worth ratio, Q2 2026
- 19.42%
- Latest call report
- Q2 2026, NCUA 5300 · Utility Employees Federal Credit Union call report
- Asset rank in state
- 73rd of 73 in Washington
- Routing number
- 325179988
- Branches
- 1
It has 5 more members than on June 30, 2025 (+1.4%). Its net worth ratio was up 3.20 percentage points from 16.22% on June 30, 2025. Used vehicle loans are its largest loan category, $830K of $2.0M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Washington
Frequently asked about Utility Employees Federal Credit Union
How big is Utility Employees Federal Credit Union?
At Q2 2026 it reported total assets of $3.2M and 371 members.
Where is Utility Employees Federal Credit Union headquartered?
It is headquartered in Hoquiam, WA, United States.
When was Utility Employees Federal Credit Union founded?
It was established in 1936, per NCUA records.
Is Utility Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 1851): 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 Utility Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Utility Employees Federal Credit Union well capitalized?
Its net worth ratio was 19.42% 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 Utility Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 77.35% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hoquiam, WA 98550
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1936
- NCUA Charter #
- 1851
- RSSD ID
- 73
- Members
- 371
- Potential members
- 500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 6 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 19.42% | 14.31% | 75th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.15% | 0.72% | 69th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.93% | 4.74% | 58th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.65% | 3.93% | 39th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 67.53% | 79.83% | 76th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.32% | 0.78% | 22nd bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.98% | 4.70% | 61st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 77.35% | 58.92% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.2M total assets against $3.7M; $2.6M total shares and deposits against $3.1M; $2.0M total loans against $2.0M.
$618K net worth against $596K.
19.42% net worth ratio against 16.22%.
77.35% loan-to-share ratio against 63.87%.
1.15% return on assets against -0.06%; 5.93% return on equity against -0.34%.
3.65% net interest margin against 2.73%.
371 members against 366.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 19.42% | 1.15% | — | 77.35% |
| March 31, 2026 | 19.01% | 1.62% | 0.60% | 76.36% |
| December 31, 2025 | 18.63% | -1.28% | 0.53% | 73.86% |
| September 30, 2025 | 16.87% | 1.11% | 0.49% | 68.85% |
| June 30, 2025 | 16.22% | -0.06% | — | 63.87% |
| March 31, 2025 | 16.46% | 1.13% | — | 64.39% |
Scroll sideways to see every column.
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.