WHATCOM EDUCATIONAL
Charter #66373 · Bellingham, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- On Loan-to-share, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 69th — a 19-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 | WHATCOM EDUCATIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.33B | 69th pct | 57th pct |
| Members | 170,035 | 66th pct | 57th pct |
| Net worth ratio | 11.25% | 60th pct | 66th pct |
| Return on average assets | 0.57% | 37th pct | 31th pct |
| Net interest margin | 2.96% | 24th pct | 28th pct |
| Cost of funds | 2.29% | 79th pct | 64th pct |
| Loan-to-share | 99.21% | 88th pct | 69th pct |
| Delinquency 60+ days | 0.70% | 58th pct | 66th pct |
| Net charge-off ratio | 0.59% | 57th pct | 74th pct |
| Loan growth YoY | 6.78% | 91th pct | 93th pct |
| Share growth YoY | 6.87% | 81th pct | 84th pct |
| Efficiency ratio | 74.21% | 56th pct | 57th pct |
structural peer set hash: d40d912e581080d53c26dee655cb2493… (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.