Wcla Credit Union Olympia, Washington
Wcla Credit Union is a state-chartered credit union headquartered in Olympia, WA, established in 1985 (NCUA charter 68328), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,376 members and total assets of $141.9M (up 0.9% from Q2 2025), the 37th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 17.50% at Q2 2026, in the well capitalized band.
Also written as Wcla CU
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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
- 68328
- Headquarters
- Olympia, WA
- Established
- 1985
- Total assets, Q2 2026
- $141.9M
- Assets vs Q2 2025
- +0.9%
- Members, Q2 2026
- 1,376
- Net worth ratio, Q2 2026
- 17.50%
- Latest call report
- Q2 2026, NCUA 5300 · Wcla Credit Union call report
- Asset rank in state
- 37th of 73 in Washington
- Routing number
- 125184568
- Branches
- 1
It has 13 fewer members than on June 30, 2025 (-0.9%). Its net worth ratio was up 1.64 percentage points from 15.86% on June 30, 2025. Commercial loans are its largest loan category, $109.4M of $118.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.29% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 17.50% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Washington
Frequently asked about Wcla Credit Union
How big is Wcla Credit Union?
At Q2 2026 it reported total assets of $141.9M and 1,376 members.
Where is Wcla Credit Union headquartered?
It is headquartered in Olympia, WA, United States.
When was Wcla Credit Union founded?
It was established in 1985, per NCUA records.
Is Wcla Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68328): 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 Wcla 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 Wcla Credit Union well capitalized?
Its net worth ratio was 17.50% 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 Wcla Credit Union's delinquency ratio?
Its delinquency ratio was 0.29% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Wcla Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 105.66% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Olympia, WA 98501
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1985
- NCUA Charter #
- 68328
- RSSD ID
- 250298
- Members
- 1,376
- Potential members
- 12,000
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 5 of 7 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: 9.81% to 13.58% | 17.50% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 2.04% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.64% | 7.02% | 85th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.88% | 3.70% | 61st above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 43.78% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 2.80% | 1.24% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.29% | 0.68% | 83rd top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 6.68% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 105.66% | 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
$141.9M total assets against $140.6M; $111.8M total shares and deposits against $112.6M; $118.1M total loans against $124.0M.
$24.8M net worth against $22.3M.
17.50% net worth ratio against 15.86%.
105.66% loan-to-share ratio against 110.15%.
0.29% delinquency ratio against 0.77%.
2.04% return on assets against 1.66%; 11.64% return on equity against 10.44%.
3.88% net interest margin against 3.36%.
1,376 members against 1,389.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.50% | 2.04% | 0.29% | 105.66% |
| March 31, 2026 | 16.65% | 1.55% | 2.50% | 104.80% |
| December 31, 2025 | 16.44% | 1.57% | 1.89% | 104.22% |
| September 30, 2025 | 16.23% | 1.94% | 2.32% | 110.50% |
| June 30, 2025 | 15.86% | 1.66% | 0.77% | 110.15% |
| March 31, 2025 | 16.19% | 1.25% | 1.07% | 108.85% |
Scroll sideways to see every column.
Watch flags
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.