Sep, 30, 2025 — HARBORSTONE CREDIT UNION is a federally insured state chartered credit union headquartered in LAKEWOOD, WA with 31 branch locations and about $2.91 billion in total assets. Opened 71 years ago in 1955, HARBORSTONE CREDIT UNION has about 106,577 members and employs 413 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HARBORSTONE CREDIT UNION |
|---|---|
| Address: (Main Office) | 9611 Gravelly Lake Dr Sw LAKEWOOD, WA 98499-1510 |
| Phone: | (253) 584-2260 |
| Fax: | (253) 581-2975 |
| Website: | https://www.harborstone.com |
| Branches: | 31 branch locations |
| Members: | 106,577 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66399 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $2,905,820,644 |
| CEO/Manager: | Geoff Bullock |
| Chairperson: | Rick Stevens |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 159,413,476 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,218,891,070 |
| Unsecured Loans | 52,507,356 |
| Other Loans | 927,027,684 |
| TOTAL LOANS | 2,198,687,318 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -25,570,864 |
| Land And Building | 21,671,162 |
| Other Fixed Assets | 10,180,874 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 22,571,819 |
| All Other Assets | 439,480 |
| TOTAL ASSETS | 2,905,820,644 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 1,060,355 |
| Notes & Interest Payable | 205,321,045 |
| Accounts Payable & Other Liabilities | 61,340,691 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 20,000,000 |
| Share Drafts | 677,359,475 |
| Regular shares | 484,174,221 |
| All Other Shares & Deposits | 1,247,493,642 |
| TOTAL SHARES & DEPOSITS | 2,409,027,338 |
| TOTAL LIABILITIES | 2,697,336,634 |
| Regular Reserve | 0 |
| Other Reserves | -14,768,228 |
| Undivided Earnings | 223,252,238 |
| TOTAL EQUITY | 208,484,010 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,905,820,644 |
| INCOME & EXPENSE | |
| Loan Income | 75,551,978 |
| Investment Income | 10,041,937 |
| Other Income | 3,833,414 |
| Total Employee Compensation & Benefits | 30,224,302 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 25,958,584 |
| Non-operating Income & (Expense) | 20,953,740 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 16,382,935 |
| Cost of Funds | 29,807,594 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 15,843,109 |
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