Credit Union Safety Analysis
Is White River Credit Union Safe? Enumclaw, Washington
Based on its Q2 2026 NCUA 5300 call report, White River Credit Union has a net worth ratio of 17.29%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.01%, 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, White River Credit Union's net worth ratio is 17.29%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.29%
- Delinquency ratio (60+ days) (Q2 2026): 1.01%
- Return on assets (Q2 2026): 1.82%
- Loan-to-share ratio (Q2 2026): 65.58%
White River Credit Union (NCUA charter 67201, established 1952) reported $114.2M in assets and 8,389 members for Q2 2026 from Enumclaw, Washington. It ranks 40 of 73 credit unions in Washington by total assets. Total assets fell 3.2% from $118.0M on June 30, 2025. It has 63 fewer members than on June 30, 2025 (-0.7%). Its net worth ratio was up 1.63 percentage points from 15.66% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $21.4M of $61.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.01% is above 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: 16.63% for Q1 2026; 15.66% 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: 1.38% for Q1 2026; 1.25% 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: 0.15% for Q1 2026; 1.29% 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: 61.44% for Q1 2026; 64.12% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $21.4M
- Used vehicle loans: $17.6M
- Other unsecured loans and lines of credit: $13.5M
- New vehicle loans: $6.7M
- Unsecured credit card loans: $2.4M
- Other secured non-real estate loans and lines of credit: $336K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $114.2M | 17.29% | 1.01% | 1.82% | 65.58% |
| March 31, 2026 | $115.6M | 16.63% | 1.38% | 0.15% | 61.44% |
| December 31, 2025 | $116.4M | 16.48% | 1.68% | 0.66% | 62.15% |
| September 30, 2025 | $116.9M | 16.25% | 1.65% | 1.78% | 61.69% |
| June 30, 2025 | $118.0M | 15.66% | 1.25% | 1.29% | 64.12% |
| March 31, 2025 | $117.2M | 15.44% | 1.36% | 1.12% | 61.87% |
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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.
White River Credit Union profile
Regulator records: NCUA credit union profile (charter 67201) · FFIEC NIC profile (RSSD 325187)
Frequently asked questions
Is White River Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, White River Credit Union's net worth ratio is 17.29%, above the 7% NCUA threshold for well capitalized.
Is White River Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. White River Credit Union is a federally insured credit union (NCUA charter 67201): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are White River Credit Union's key safety ratios?
For Q2 2026, White River Credit Union reports net worth 17.29%, delinquency 1.01%, ROA 1.82%, loan-to-share 65.58%.
What happens to my money if White River Credit Union fails?
For Q2 2026, White River Credit Union held $94.4M in shares and deposits for 8,389 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.