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Overview / Commentary
1100 Dupont St
Bellingham, WA 98225-3113

North Coast Credit Union (WA) is headquartered in Bellingham and is the 31st largest credit union in the state of Washington. It is also the 1,006th largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 50 employees and 13,535 members. North Coast Credit Union (WA) has a B health rating.

Field of Membership Restrictions

f you live or work, worship or attend school in Washington State, you can be a member. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 North Coast Credit Union (WA) had $1.94 million in non-current loans and owned real-estate with $14.64 million in equity and loan loss allowances on hand to cover it. This gives North Coast Credit Union (WA) a Texas Ratio of 13.22% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for North Coast Credit Union (WA) increased slightly from 3.85% as of March 31, 2013 to 13.22% as of March 31, 2014, resulting in a negative change of 243.37%. This indicates that the balance sheet and financial strength for North Coast Credit Union (WA) has declined slightly in recent periods.

Deposit Growth


In the past year, North Coast Credit Union (WA) has increased its total deposits by $11.19 million, resulting in 7.41% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth North Coast Credit Union (WA) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. North Coast Credit Union (WA) has $182.52 million in assets with $14.64 million in equity, resulting in a capitalization level of 8.02%, which is average.

Institution Statistics

NCUA #66734
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$182.52 million
Loans$106.99 million
Deposits$162.11 million
Equity Capital$13.93 million
Loan Loss Allowance$713,000
Unbacked Noncurrent Loans$1.39 million
Real Estate Owned$551,000
Historic Data - March 2013
Assets$171.68 million
Equity Capital$14.26 million
Loan Loss Allowance$981,000
Unbacked Noncurrent Loans$1.39 million
Real Estate Owned$484,000
Profit Margin - Quarterly
Return on Assets0.34%
Return on Equity4.42%
Interest Income$1.55 million

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North Coast Credit Union (WA) Savings Account Rates

0.15%$100k-Savings Account
0.10%--Youth Account
0.10%$250-Traditional IRA Savings Account
0.10%$250-Roth IRA Savings Account
0.05%--Health Savings Account

North Coast Credit Union (WA) Money Market Rates

0.20%$250k-Money Market Savings Account
0.15%$100k-Money Market Checking Account

North Coast Credit Union (WA) Checking Account Rates

3.90%-$1kSmart Checking Account
0.05%$1k-Choice Checking Account

North Coast Credit Union (WA) CD Rates

1.00%$1k-5-Year Certificate
0.65%$1k-4-Year Certificate
0.50%$1k-3-Year Certificate
0.40%$1k-2-Year Certificate
0.30%$1k-18 Month Certificate
0.20%$1k-12 Month Certificate
0.20%$250-12 Month Youth Build a CD
0.20%$25-12 Month Save to Win CD
0.15%$1k-6 Month Certificate
0.10%$1k-3 Month Certificate
0.10%$250-3 Month Select Employee Group CD - Community Builders Only

North Coast Credit Union (WA) IRA Rates

1.00%$250-5 Year IRA Certificate
0.65%$250-4 Year IRA Certificate
0.50%$250-3 Year IRA Certificate
0.40%$250-2 Year IRA Certificate
0.30%$250-18 Month IRA Certificate
0.20%$250-12 Month IRA Certificate
0.15%$250-6 Month IRA Certificate
0.10%$250-3 Month IRA Certificate

North Coast Credit Union (WA) Locations
Branch Office1410 Riverside DrMount Vernon, WA 98273-2442
Branch Office5657 Riverside DrFerndale, WA 98248-9443
Branch Office108 N Township St Ste BSedro Woolley, WA 98284-1232
Branch Office2205 W Campus PlMount Vernon, WA 98273
Branch Office1100 Dupont StBellingham, WA 98225-3113