Industrial Credit Union of Whatcom County

Bellingham, WA

Rating Date

July 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Industrial Credit Union of Whatcom County Bellingham, WA	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	8.00
Capitalization Index	5.10
Liquidity Index	3.60
Profitability Index	4.10
Stability Index	2.80

Company Info	Industrial Credit Union of Whatcom County Bellingham, WA	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	5492
Phone Number	(360) 734-2043
Website	www.industrialcu.com

Asset Quality	Industrial Credit Union of Whatcom County Bellingham, WA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	1.34%
5-Year Asset Growth	9.54%
5-Year Charge-Offs to Average Loans	1.31%
Charge-Offs to Average Loans	2.16%
Non-Performing Assets to Assets	0.40%
Non-Performing Loans to Capital	4.60%
Non-Performing Loans to Loans	0.43%

Balance Sheet	Industrial Credit Union of Whatcom County Bellingham, WA	Click to Compare	Click to Compare	Click to Compare
Total Assets	391.90M
Total Deposits	343.35M

Capital and Reserves	Industrial Credit Union of Whatcom County Bellingham, WA	Click to Compare	Click to Compare	Click to Compare
Capital	29.02M
Leverage Ratio	11.34
Loan Loss Reserves to Loans	1.77%

Liquidity	Industrial Credit Union of Whatcom County Bellingham, WA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	8.95%
Liquidity Ratio	22.19%

Profitability	Industrial Credit Union of Whatcom County Bellingham, WA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.48%
Net Income	425.00K
Net Interest Spread	5.02%
Operating Profit to Average Assets	1.35%
Overhead Efficiency Ratio	76.58%
Return on Assets	0.44%
Return on Equity	5.95%