Credit Union Safety Analysis
Is Wcla Credit Union Safe? Olympia, Washington
Based on its Q2 2026 NCUA 5300 call report, Wcla Credit Union has a net worth ratio of 17.50%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.29%, 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, Wcla Credit Union's net worth ratio is 17.50%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.50%
- Delinquency ratio (60+ days) (Q2 2026): 0.29%
- Return on assets (Q2 2026): 2.04%
- Loan-to-share ratio (Q2 2026): 105.66%
Wcla Credit Union (NCUA charter 68328, established 1985) reported $141.9M in assets and 1,376 members for Q2 2026 from Olympia, Washington. It ranks 37 of 73 credit unions in Washington by total assets. Total assets grew 0.9% from $140.6M on June 30, 2025. 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.
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: 16.65% for Q1 2026; 15.86% 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: 2.50% for Q1 2026; 0.77% 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: 1.55% for Q1 2026; 1.66% 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: 104.80% for Q1 2026; 110.15% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $109.4M
- Other secured non-real estate loans and lines of credit: $7.1M
- Used vehicle loans: $966K
- Unsecured credit card loans: $311K
- New vehicle loans: $267K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $141.9M | 17.50% | 0.29% | 2.04% | 105.66% |
| March 31, 2026 | $144.9M | 16.65% | 2.50% | 1.55% | 104.80% |
| December 31, 2025 | $143.3M | 16.44% | 1.89% | 1.57% | 104.22% |
| September 30, 2025 | $141.7M | 16.23% | 2.32% | 1.94% | 110.50% |
| June 30, 2025 | $140.6M | 15.86% | 0.77% | 1.66% | 110.15% |
| March 31, 2025 | $134.2M | 16.19% | 1.07% | 1.25% | 108.85% |
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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 68328) · FFIEC NIC profile (RSSD 250298)
Frequently asked questions
Is Wcla Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Wcla Credit Union's net worth ratio is 17.50%, above the 7% NCUA threshold for well capitalized.
Is Wcla Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Wcla Credit Union is a federally insured credit union (NCUA charter 68328): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Wcla Credit Union's key safety ratios?
For Q2 2026, Wcla Credit Union reports net worth 17.50%, delinquency 0.29%, ROA 2.04%, loan-to-share 105.66%.
What happens to my money if Wcla Credit Union fails?
For Q2 2026, Wcla Credit Union held $111.8M in shares and deposits for 1,376 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.