Charter 66373 · Bellingham, WA
Whatcom Educational Credit Union
Whatcom Educational Credit Union is a state-chartered credit union in Bellingham, Washington, with $3.40 billion in assets and 170,493 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.21%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as WECU.
- Total assets
- $3.40 billion
- +11.2% in a year
- Members
- 170,493
- +1.6% in a year
- Net worth ratio
- 11.21%
- Peer median 10.79%
- Loans 60+ days late
- 0.69%
- Peer median 0.67%
- Loans outstanding
- $2.77 billion
- +7.4% in a year
- Shares and deposits
- $2.75 billion
- +11.0% in a year
- Branches
- 11
- 437 employees
- Opened
- 1936
- Washington charter
How Whatcom Educational Credit Union compares
NCUA groups credit unions by size; Whatcom Educational Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.21% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.69%, is about the same as the group median of 0.67%. Loans grew 7.4% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 8 of 73 credit unions headquartered in Washington. See all Washington credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $3.40 billion | 170,493 | $2.77 billion | 11.21% | 0.69% |
| Q1 2026 | $3.33 billion | 170,035 | $2.72 billion | 11.25% | 0.70% |
| Q4 2025 | $3.33 billion | 169,630 | $2.65 billion | 11.07% | 0.74% |
| Q3 2025 | $3.14 billion | 169,401 | $2.55 billion | 11.68% | 0.72% |
| Q2 2025 | $3.06 billion | 167,827 | $2.58 billion | 11.90% | 0.72% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 371,883 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 12 sites for Whatcom Educational Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Holly Branch
600 E Holly St, Bellingham, WA 98225 - Fountain Branch
2625 Meridian St, Bellingham, WA 98225 - Sunset Branch
3061 Orleans St, Bellingham, WA 98226 - Fairhaven Branch
1225 Harris Ave, Bellingham, WA 98225 - Blaine Branch
1773 H St, Blaine, WA 98230 - Everson Branch
106 E Main St, Everson, WA 98247 - Ferndale Branch
5659 Barrett Rd, Ferndale, WA 98248 - Lynden Branch
2045 Front St, Lynden, WA 98264 - Home Loan Center
516 E Holly St, Bellingham, WA 98225 - Admin Building - 21 Bellwether Way (main office)
21 Bellwether Way Ste 111, Bellingham, WA 98225 - Mount Vernon
1835 Riverside Dr, Mount Vernon, WA 98273 - Sedro-Woolley
1102 State Route 20 Ste B, Sedro Woolley, WA 98284
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology