Whatcom Educational

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$3.3B

71^th percentile

Members

169,630

68^th percentile

Total loans

$2.7B

73^th percentile

Total shares

$2.6B

70^th percentile

Profitability

Return on assets

0.72%

30^th percentile

Net interest margin

2.74%

24^th percentile

Efficiency ratio

50.34%

55^th percentile

Non-interest income ratio

19.53%

57^th percentile

Capital & Risk

Net worth ratio

11.07%

57^th percentile

Delinquency rate

0.74%

50^th percentile

Net charge-off rate

0.51%

47^th percentile

Loan-to-share

101.16%

82^th percentile

Growth

Member growth YoY

2.82%

56^th percentile

Asset growth YoY

12.67%

90^th percentile

Loan growth YoY

7.75%

67^th percentile

Share growth YoY

11.02%

85^th percentile

Operations

Members / branch

15,421

93^th percentile

Assets / member

$19,641

64^th percentile

Field of membership penetration

46.33%

94^th percentile

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