Credit union · NCUA insured
North Coast Credit Union
A $429.7M credit union headquartered in Bellingham, WA, with 20,358 members and 5 branches in Washington. Best rates: CDs 3.50% and savings 0.50% APY.
North Coast Credit Union Carrot Score
74
Carrot Score
Higher than 38% of U.S. banks and credit unions
#5 of 16 in Mount Vernon, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About North Coast Credit Union
North Coast Credit Union operates branches across Washington State in Anacortes, Bellingham, Ferndale, Mount Vernon, and Sedro-Woolley.
- Headquarters
- 1100 Dupont St, Bellingham, WA 98225-3113
- NCUA charter
- 66734
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is eligible to anyone who lives, works, attends school, or worships in Washington State.
Branches
5 branches in Washington
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Washington
5 branches
Mount Vernon area · 3
- Anacortes Branch3110 Commercial Ave, Suite 103, Anacortes, WA 98221Directions
- Mount Vernon Branch1410 Riverside Dr, Mount Vernon, WA 98273Directions
- Sedro-Woolley Branch108 N Township St Ste B, Sedro-Woolley, WA 98284Directions
Bellingham area · 2
- Bellingham BranchMain office1100 Dupont St, Bellingham, WA 98225Directions
- Ferndale Branch5657 Riverside Dr, Ferndale, WA 98248Directions
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 | 13.80% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.67% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.84% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio13.80%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.67%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.84%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ 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 North Coast Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.