Industrial CU of Whatcom County

Bellingham, WA · 2 · Charter #66337 · www.industrialcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$388.4M
38th percentile
Members
33,218
61th percentile
Total loans
$257.9M
40th percentile
Total shares
$337.7M
41th percentile

Profitability

Return on assets
1.43%
79th percentile
Net interest margin
4.34%
91th percentile
Efficiency ratio
64.37%
27th percentile
Non-interest income ratio
24.78%
80th percentile

Capital & Risk

Net worth ratio
11.90%
65th percentile
Delinquency rate
0.65%
56th percentile
Net charge-off rate
1.71%
4th percentile
Loan-to-share
76.38%
39th percentile

Growth

Member growth YoY
-11.20%
2th percentile
Asset growth YoY
-0.29%
12th percentile
Loan growth YoY
-4.05%
11th percentile
Share growth YoY
-1.41%
7th percentile

Operations

Members / branch
5,536
67th percentile
Assets / member
$11,694
10th percentile
Field of membership penetration
14.00%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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