Bellingham, WA · State Credit Union · Chartered in WA
Who can join
State government employees (special charter)
Members
170,035
Net Worth Ratio
11.25%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$3.33B
Total Shares
$2.74B
Total Loans
$2.72B
Net Income
$4.8M
Net Worth Ratio
11.25%
≥7% = Well Capitalized
Members
170,035
Return on Assets
0.14%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.49%
$13.3M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 1,281 | 811 | 226 | 63.3% | 17.6% |
| 2022 | 1,159 | 814 | 162 | 70.2% | 14.0% |
| 2021 | 1,834 | 1,293 | 164 | 70.5% | 8.9% |
No CFPB complaint data available for this credit union.
Admin Building - 21 Bellwether Way
21 Bellwether Way Ste 111, Bellingham, WA, 98225
8am-6pm
Fountain Branch
2625 Meridian St, Bellingham, WA, 98225-2408
Lobby Hours Mon - Thurs: 9am - 5:30pm Fri: 9am - 6pm Drive Up Hours Mon-Fri: 9:00am - 6:00pm
Sunset Branch
3061 Orleans St, Bellingham, WA, 98226-3541
Lobby Hours Mon - Thurs: 9am - 5:30pm Fri: 9am - 6pm Sat: 9am - 1pm Drive Up Hours Mon - Fri: 9am-7pm Sat: 9am - 1pm
Fairhaven Branch
1225 Harris Ave, Bellingham, WA, 98225-7155
Lobby Hours Mon - Thurs: 9am - 5:30pm Fri: 9am - 6pm
Blaine Branch
1773 H St, Blaine, WA, 98230
Lobby Hours Mon-Thu: 9:00am - 5:30pm Fri: 9:00am - 6:00pm
Everson Branch
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<a href="https://bankscorer.com/credit-union/whatcom-educational" target="_blank" rel="noopener">View WHATCOM EDUCATIONAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 99.2%· healthy range 60–80%
106 E Main St, Everson, WA, 98247
Lobby Hours Mon - Thurs: 9am - 5:30pm Fri: 9am - 6pm
Ferndale Branch
5659 Barrett Rd, Ferndale, WA, 98248
Lobby Hours Mon-Thur: 9:00am - 5:30pm Fri: 9:00am - 6:00pm Sat: 9:00am - 1:00pm Drive Up Hours Mon-Fri: 9:00am - 7:00pm Sat: 9:00am - 1:00pm
Lynden Branch
2045 Front St, Lynden, WA, 98264
Lobby Hours Mon-Thurs: 9:00am - 5:30pm Fri: 9:00am - 6:00pm Drive Up Hours Mon-Fri: 9:00am - 6:00pm
Home Loan Center
516 E Holly St, Bellingham, WA, 98225
Closed for Renovations
Mount Vernon
1835 Riverside Dr, Mount Vernon, WA, 98273
Lobby Hours Mon - Thurs: 9am - 5:30pm Fri: 9am - 6pm
2 more locations not shown.