This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
Bellingham, WA
Health score
69.9
Total assets
$391.6M
Credit union
Bellingham, WA
Health score
77.9
Total assets
$426.7M
Answer first
INDUSTRIAL CU OF WHATCOM COUNTY leads on lending quality; NORTH COAST leads on financial health and capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
NORTH COAST
Higher TFS health score
Capitalization
NORTH COAST
Higher comparable capital ratio
Profitability
NORTH COAST
Higher return on assets
Lending quality
INDUSTRIAL CU OF WHATCOM COUNTY
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | INDUSTRIAL CU OF WHATCOM COUNTY | NORTH COAST |
|---|---|---|
| TFS health score | 69.9/100 | 77.9/100Leads |
| Total assets | $391.6M | $426.7M |
| Total deposits / shares | $340.7M | $371.8M |
| Net worth ratio | 12.06% | 13.80%Leads |
| Return on assets | 0.52% | 0.83%Leads |
| Return on equity | 4.35% | 6.03% |
INDUSTRIAL CU OF WHATCOM COUNTY
6 branches
NORTH COAST
5 branches
Both institutions report branches in 1 state: WA.
INDUSTRIAL CU OF WHATCOM COUNTY
Unavailable
NORTH COAST
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
INDUSTRIAL CU OF WHATCOM COUNTY
0 in TFS registry
NORTH COAST
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | INDUSTRIAL CU OF WHATCOM COUNTY score | INDUSTRIAL CU OF WHATCOM COUNTY ROA | NORTH COAST score | NORTH COAST ROA |
|---|---|---|---|---|
| 2026-Q1 | 66.0/100 | 0.30% | 72.4/100 | 0.49% |
| 2026-Q2 | 69.9/100 | 0.52% | 77.9/100 | 0.83% |
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 60+ day delinquency | 0.26%Leads | 0.67% |
| Net charge-offs | 1.46% | 0.62%Leads |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 75.66% | 70.99% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 6 | 5 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |