C
Industrial Credit Union of Whatcom County
Rating Date
December 2025
Net Capital
Ratio
7.88
Leverage
Ratio
11.59
Return On
Assets
0.63%
Total
Assets
395.97M
Capital
31.19M
Total
Deposits
345.90M
Net
Income
1.88M
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Weiss Ratings Industrial Credit Union of Whatcom County
Bellingham, WA 		Click to
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Rating C
Asset Quality Index 7.70
Capitalization Index 5.50
Liquidity Index 3.70
Profitability Index 6.10
Stability Index 3.60
Company Info Industrial Credit Union of Whatcom County
Bellingham, WA 		Click to
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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
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1-Year Asset Growth 2.10%
5-Year Asset Growth 9.54%
5-Year Charge-Offs to Average Loans 1.31%
Charge-Offs to Average Loans 1.80%
Non-Performing Assets to Assets 0.56%
Non-Performing Loans to Capital 6.31%
Non-Performing Loans to Loans 0.73%
Balance Sheet Industrial Credit Union of Whatcom County
Bellingham, WA 		Click to
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Total Assets 395.97M
Total Deposits 345.90M
Capital and Reserves Industrial Credit Union of Whatcom County
Bellingham, WA 		Click to
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Capital 31.19M
Leverage Ratio 11.59
Loan Loss Reserves to Loans 1.70%
Liquidity Industrial Credit Union of Whatcom County
Bellingham, WA 		Click to
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Hot Money Ratio 8.49%
Liquidity Ratio 19.68%
Profitability Industrial Credit Union of Whatcom County
Bellingham, WA 		Click to
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5-Year Return on Average Assets 0.48%
Net Income 1.88M
Net Interest Spread 5.17%
Operating Profit to Average Assets 1.54%
Overhead Efficiency Ratio 74.37%
Return on Assets 0.63%
Return on Equity 8.51%