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Washington Credit Union Performance
How the 75 credit unions based in Washington are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Washington's 75 credit unions serve 5,036,105 members and hold $95.30B in combined assets. The median Washington credit union earned a 0.58% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Washington credit unions was -0.05%, compared with -0.55% nationally. Median one-year asset growth was 2.77%, compared with 2.78% nationally. So far this year, one Washington credit union has completed a merger. Figures are from the Q1 2026 NCUA Call Report.
Washington at a glance
Washington vs. the United States
System totals are the sum of every credit union in Washington. The share column is Washington's portion of the national figure.
| Measure | Washington | United States | Washington share |
|---|---|---|---|
| Credit unions | 75 | 4,335 | 1.7% |
| Members | 5,036,105 | 147,031,529 | 3.4% |
| Residents (population) | 7,958,180 | 340,110,988 | 2.3% |
| Total assets | $95.30B | $2,507.50B | 3.8% |
| Total loans | $69.87B | $1,744.86B | 4.0% |
| Total shares & deposits | $82.51B | $2,143.21B | 3.8% |
| Total net worth | $10.84B | $282.23B | 3.8% |
| Mergers year-to-date | 1 | 27 | — |
Membership reach. Washington credit unions report about 63 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Washington credit unions serve members in other states, so it overstates true in-state penetration.)
The median Washington credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Washington CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.58% | 0.66% |
| Net worth ratio | 12.42% | 12.44% |
| Loan-to-share ratio | 76.36% | 67.86% |
| Delinquency ratio | 0.69% | 0.63% |
| Net charge-off ratio | 0.60% | 0.33% |
| Cost of funds | 1.13% | 1.05% |
| Member growth (1 yr) | -0.05% | -0.55% |
| Asset growth (1 yr) | 2.77% | 2.78% |
| Loan growth (1 yr) | 1.30% | 0.63% |
| Share growth (1 yr) | 2.27% | 2.36% |
| Net worth growth (1 yr) | 4.83% | 5.57% |
Trends over time
The median Washington credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.58% · 0.72%
— Washington ‑‑ U.S. (1 year not shown)
Net worth ratio 12.36% · 12.46%
— Washington ‑‑ U.S.
Loan-to-share ratio 76.38% · 69.70%
— Washington ‑‑ U.S.
Delinquency ratio 0.71% · 0.72%
— Washington ‑‑ U.S.
Asset growth (1 yr) 2.19% · 3.26%
— Washington ‑‑ U.S. (1 year not shown)
Member growth (1 yr) -0.26% · -0.52%
— Washington ‑‑ U.S. (1 year not shown)
Washington leaderboards
Largest by assets
- 1 Boeing Employees Credit Union $30.01B
- 2 Gesa Credit Union $6.72B
- 3 Spokane Teachers Credit Union $6.38B
- 4 Washington State Employees Credit Union $5.11B
- 5 Numerica Credit Union $4.34B
- 6 TwinStar Credit Union $4.27B
- 7 Sound Credit Union $3.45B
- 8 Whatcom Educational Credit Union $3.33B
- 9 HAPO Community Credit Union $3.09B
- 10 Harborstone Credit Union $3.05B
Highest return on assets
- 1 Cascade Credit Union 4.62%
- 2 Wcla Credit Union 1.61%
- 3 HAPO Community Credit Union 1.55%
- 4 Qualstar Credit Union 1.45%
- 5 iQ Credit Union 1.39%
- 6 Columbia Community Credit Union 1.37%
- 7 Alaska Airlines Emp Credit Union 1.30%
- 8 Mill Town Credit Union 1.23%
- 9 Our Community Credit Union 1.15%
- 10 America's Credit Union-A Federal Credit Union 1.04%
Fastest-growing (organic)
- 1 HAPO Community Credit Union 28.70%
- 2 Gesa Credit Union 14.64%
- 3 Cascade Credit Union 11.43%
- 4 Alaska Airlines Emp Credit Union 11.40%
- 5 Whatcom Educational Credit Union 11.15%
- 6 Olympia Credit Union 9.77%
- 7 North Coast Credit Union 9.74%
- 8 Sound Credit Union 9.16%
- 9 Nordstrom Credit Union 8.39%
- 10 Kitsap Community Credit Union 8.17%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
The small credit unions in Washington
32 at the end of 2016, 14 at the end of 2025.
Median net worth ratio 13.53% against 12.13% for credit unions at or above the line. Median one-year member growth -1.27% against 0.15%.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Washington that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.