RANKING ·
Lowest efficiency ratio in Washington
40 of 73 credit unions in Washington that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets and positive revenue. Institutions with equal values share a rank. Source: NCUA Call Report data.
| Rank | Institution | Headquarters | Efficiency ratio (noninterest expense / revenue) | Total assets |
|---|---|---|---|---|
| 1 | Tapco Credit Union | Fircrest, WA | 40.8% | $736 million |
| 2 | Wcla Credit Union | Olympia, WA | 43.8% | $142 million |
| 3 | Qualstar Credit Union | Bothell, WA | 50.4% | $939 million |
| 4 | Columbia Community Credit Union | Vancouver, WA | 58.1% | $2.6 billion |
| 5 | Hapo Community Credit Union | Richland, WA | 63.7% | $3.0 billion |
| 6 | Iq Credit Union | Vancouver, WA | 65.2% | $2.2 billion |
| 7 | Alaska Air Group Federal Credit Union | Seatac, WA | 65.6% | $136 million |
| 8 | Mountaincrest Credit Union | Arlington, WA | 65.7% | $153 million |
| 9 | Gesa Credit Union | Richland, WA | 65.7% | $6.8 billion |
| 10 | Sound Credit Union | Tacoma, WA | 66.2% | $3.4 billion |
| 11 | Spokane Teachers Credit Union | Liberty Lake, WA | 67.1% | $6.4 billion |
| 12 | North Coast Credit Union | Bellingham, WA | 67.4% | $427 million |
| 13 | Peak Credit Union | Olympia, WA | 67.4% | $4.2 billion |
| 14 | White River Credit Union | Enumclaw, WA | 68.0% | $114 million |
| 15 | Kitsap Credit Union | Bremerton, WA | 69.0% | $2.5 billion |
| 16 | Great Northwest Federal Credit Union | Aberdeen, WA | 69.2% | $375 million |
| 17 | People'S Community Federal Credit Union | Vancouver, WA | 69.2% | $269 million |
| 18 | Tacoma Longshoremen Credit Union | Tacoma, WA | 69.8% | $117 million |
| 19 | Whatcom Educational Credit Union | Bellingham, WA | 70.0% | $3.4 billion |
| 20 | Washington State Employees Credit Union | Olympia, WA | 72.3% | $5.1 billion |
| 21 | Numerica Credit Union | Spokane Valley, WA | 72.5% | $4.3 billion |
| 22 | Cascade Federal Credit Union | Kent, WA | 72.6% | $393 million |
| 23 | Cheney Federal Credit Union | Cheney, WA | 72.7% | $148 million |
| 24 | Our Community Credit Union | Shelton, WA | 72.9% | $638 million |
| 25 | Fibre Federal Credit Union | Longview, WA | 73.4% | $1.8 billion |
| 26 | Peninsula Community Federal Credit Union | Shelton, WA | 74.5% | $304 million |
| 27 | Northwest Plus Credit Union | Everett, WA | 74.7% | $315 million |
| 28 | Red Canoe Credit Union | Longview, WA | 74.9% | $1.2 billion |
| 29 | Horizon Credit Union | Spokane Valley, WA | 76.2% | $2.0 billion |
| 30 | Boeing Employees Credit Union | Tukwila, WA | 77.2% | $29.6 billion |
| 31 | Seattle Metropolitan Credit Union | Seattle, WA | 77.9% | $1.2 billion |
| 32 | Salal Credit Union | Seattle, WA | 77.9% | $1.2 billion |
| 33 | Industrial CU of Whatcom County | Bellingham, WA | 78.0% | $392 million |
| 34 | O Bee Credit Union | Lacey, WA | 80.4% | $677 million |
| 35 | Harborstone Credit Union | Tacoma, WA | 82.5% | $3.1 billion |
| 36 | Solarity Credit Union | Yakima, WA | 85.0% | $804 million |
| 37 | Verity Credit Union | Seattle, WA | 87.0% | $786 million |
| 38 | Canopy Federal Credit Union | Spokane, WA | 87.7% | $222 million |
| 39 | Puget Sound Cooperative Credit Union | Bellevue, WA | 90.2% | $274 million |
| 40 | America'S Credit Union, A | Dupont, WA | 94.0% | $710 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings