INDUSTRIAL CU OF WHATCOM COUNTY
Charter #66337 · Bellingham, WA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 33,072 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.43% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.64% sits at the 93rd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 64th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | INDUSTRIAL CU OF WHATCOM COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $395.11M | 88th pct | 84th pct |
| Members | 33,072 | 96th pct | 92th pct |
| Net worth ratio | 11.77% | 54th pct | 59th pct |
| Return on average assets | 0.30% | 23th pct | 28th pct |
| Net interest margin | 4.17% | 80th pct | 64th pct |
| Cost of funds | 1.10% | 44th pct | 54th pct |
| Loan-to-share | 74.81% | 55th pct | 44th pct |
| Delinquency 60+ days | 0.43% | 34th pct | 23th pct |
| Net charge-off ratio | 1.64% | 97th pct | 93th pct |
| Loan growth YoY | 0.44% | 52th pct | 54th pct |
| Share growth YoY | -0.40% | 7th pct | 0th pct |
| Efficiency ratio | 79.40% | 53th pct | 49th pct |
structural peer set hash: 1a54769b23a164180d25c91dd191b52d… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.