North Coast

Bellingham, WA · 2 · Charter #66734 · www.northcoastcu.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
$420.8M
46th percentile
Members
20,380
26th percentile
Total loans
$263.3M
41th percentile
Total shares
$364.5M
47th percentile

Profitability

Return on assets
1.34%
75th percentile
Net interest margin
3.74%
69th percentile
Efficiency ratio
56.10%
64th percentile
Non-interest income ratio
11.44%
10th percentile

Capital & Risk

Net worth ratio
13.57%
81th percentile
Delinquency rate
0.56%
63th percentile
Net charge-off rate
0.44%
48th percentile
Loan-to-share
72.23%
31th percentile

Growth

Member growth YoY
-1.43%
29th percentile
Asset growth YoY
10.31%
87th percentile
Loan growth YoY
4.63%
53th percentile
Share growth YoY
10.01%
87th percentile

Operations

Members / branch
4,076
39th percentile
Assets / member
$20,649
78th percentile
Field of membership penetration
10.13%
73th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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