Sep, 30, 2025 — NORTH COAST CREDIT UNION is a federally insured state chartered credit union headquartered in BELLINGHAM, WA with 5 branch locations and about $412.34 million in total assets. Opened 88 years ago in 1938, NORTH COAST CREDIT UNION has about 20,445 members and employs 68 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NORTH COAST CREDIT UNION |
|---|---|
| Address: (Main Office) | 1100 Dupont St BELLINGHAM, WA 98225-3113 |
| Phone: | (360) 733-3982 |
| Fax: | (360) 671-8235 |
| Website: | https://www.northcoastcu.com |
| Branches: | 5 branch locations |
| Members: | 20,445 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66734 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1938 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $412,344,342 |
| CEO/Manager: | A.C. Griffith |
| Chairperson: | Gerzon Marin |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 77,823,546 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 193,229,407 |
| Unsecured Loans | 7,193,564 |
| Other Loans | 63,442,421 |
| TOTAL LOANS | 264,296,268 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,201,345 |
| Land And Building | 3,765,455 |
| Other Fixed Assets | 1,217,940 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,188,305 |
| All Other Assets | 78,659 |
| TOTAL ASSETS | 412,344,342 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 4,213,799 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 82,528,338 |
| Regular shares | 147,944,705 |
| All Other Shares & Deposits | 125,451,323 |
| TOTAL SHARES & DEPOSITS | 355,924,366 |
| TOTAL LIABILITIES | 360,152,642 |
| Regular Reserve | 0 |
| Other Reserves | 2,778,389 |
| Undivided Earnings | 49,413,311 |
| TOTAL EQUITY | 52,191,700 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 412,344,342 |
| INCOME & EXPENSE | |
| Loan Income | 11,408,891 |
| Investment Income | 3,350,635 |
| Other Income | 875,249 |
| Total Employee Compensation & Benefits | 4,970,845 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,859,692 |
| Non-operating Income & (Expense) | 197,634 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 840,607 |
| Cost of Funds | 3,079,345 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,026,374 |
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