Washington State Employees Credit Union
Total assets
$5.11B
▼ -1.8% YoY
Shares & deposits
$4.58B
▲ +2.1% YoY
Loans
$3.94B
▼ -4.2% YoY
Members
319,691
▼ -0.1% YoY
ROA (annualized)
-0.04%
peers 0.71%
ROE (annualized)
-0.38%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.8% | +5.1% | -6.9 pts |
| Share growth (YoY) | +2.0% | +4.9% | -2.8 pts |
| Loan growth (YoY) | -4.2% | +5.4% | -9.6 pts |
| ROA | -0.04% | 0.71% | -0.7 pts |
| ROE | -0.4% | 6.3% | -6.7 pts |
ROA ranks in the 3rd percentile of its peer group · Q1 2026
Profile
- Established
- 1957
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box Wsecu, Olympia, WA, 98507
- NCUA charter #
- 60042
- RSSD ID
- 608198
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $5.11B | $4.58B | $3.94B | $496.4M | $-477K | -0.04% | 4.06% | 0.69% | 319,691 |
| Q4 2025 | $5.09B | $4.50B | $4.00B | $496.9M | $23.0M | 0.45% | 4.07% | 0.72% | 317,039 |
| Q3 2025 | $5.09B | $4.45B | $4.04B | $496.4M | $19.5M | 0.51% | 4.04% | 0.58% | 319,868 |
| Q2 2025 | $5.12B | $4.43B | $4.06B | $488.3M | $11.4M | 0.45% | 3.94% | 0.52% | 320,296 |
| Q1 2025 | $5.20B | $4.48B | $4.11B | $479.8M | $2.9M | 0.22% | 3.82% | 0.39% | 319,880 |
| Q4 2024 | $5.17B | $4.41B | $4.20B | $476.9M | $4.5M | 0.09% | 3.59% | 0.63% | 319,463 |
| Q3 2024 | $5.26B | $4.36B | $4.25B | $482.8M | $7.3M | 0.18% | 3.49% | 0.58% | 319,722 |
| Q2 2024 | $5.27B | $4.32B | $4.27B | $478.2M | $2.7M | 0.10% | 3.43% | 0.54% | 317,230 |
Loan mix (Q1 2026): real estate $1.63B · commercial $723.2M · consumer $1.28B · securities $725.7M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.04% | 0.71% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.4% | 6.3% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.32% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 73.0% | 71th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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