Credit union · NCUA insured
Industrial Credit Union
A $395.1M credit union headquartered in Bellingham, WA, with 33,072 members and 6 branches in Washington. Best rates: CDs 3.00% and savings 0.50% APY.
Industrial Credit Union Carrot Score
78
Carrot Score
Higher than 45% of U.S. banks and credit unions
#6 of 18 in Bellingham, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Industrial Credit Union
- Headquarters
- 1100 N State St, Bellingham, WA 98225-5014
- NCUA charter
- 66337
Branches
6 branches in Washington
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Washington
6 branches
- State StreetMain office1100 N State St, Bellingham, WA 98225Directions
- Northwest Avenue3233 Northwest Ave, Bellingham, WA 98225Directions
- Safeway1275 E Sunset Dr, Bellingham, WA 98226Directions
- Nugents Corner5619 Lawrence Rd, Everson, WA 98247Directions
- Ferndale1739 LaBounty Dr, Ferndale, WA 98248Directions
- Lynden1980 Kok Rd, Lynden, WA 98264Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.06% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.26% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.53% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio12.06%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.26%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.53%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Industrial Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.