WHATCOM EDUCATIONAL
State-Chartered • Bellingham, Washington • Est. 1936
Quick Facts
- Charter Number
- #66373
- Type
- State-Chartered
- Established
- 1936
- Headquarters
- Bellingham, Washington 98227
- Address
- PO Box 9750
- Branches
- 12
- ATMs
- 19
- Members
- 169,630
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
169,630 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WHATCOM EDUCATIONAL |
|---|---|
| Total Assets | $3.3B |
| Members | 169,630 |
| Loans Outstanding | $2.7B |
| Shares & Deposits | $2.7B |
| Net Worth | $368.9M |
| Net Worth Ratio | 11.07% |
| Loan-to-Share Ratio | 97.1% |
| Delinquency Rate | 0.74% |
| Net Income | +$33,243,155 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
12 locations · 19 ATMs
Holly Branch
600 E Holly St
Bellingham, WA 98225
Fountain Branch
2625 Meridian St
Bellingham, WA 98225-2408
Sunset Branch
3061 Orleans St
Bellingham, WA 98226-3541
Fairhaven Branch
1225 Harris Ave
Bellingham, WA 98225-7155
Blaine Branch
1773 H St
Blaine, WA 98230
Who Can Join WHATCOM EDUCATIONAL?
Membership Type: Community
Membership eligibility for WHATCOM EDUCATIONAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact WHATCOM EDUCATIONAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Washington RankingsFrequently Asked Questions
Yes. WHATCOM EDUCATIONAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, WHATCOM EDUCATIONAL has 169,630 members and a potential membership field of 366,168 people.
WHATCOM EDUCATIONAL's net worth ratio is 11.07% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.1%, WHATCOM EDUCATIONAL meets this threshold.
WHATCOM EDUCATIONAL operates 12 branch locations and has access to 19 ATMs. The main office is located at 21 Bellwether Way Ste 111, Bellingham, WA 98225.
WHATCOM EDUCATIONAL was established in 1936. It is a state-chartered credit union chartered under charter number 66373. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or WHATCOM EDUCATIONAL. All financial data is for informational purposes only.