Credit unions · Washington · Q2 2026
WSECU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $5.09B |
| Total loans & leases | $3.92B |
| Total shares & deposits | $4.54B |
| Members | 323,400 |
| Net worth | $503M |
| Net worth / assets | 9.89% |
| Loans / assets | 76.97% |
| Return on assets (annualized) | 0.25% |
| Loan growth (YoY) | −3.52% |
| Member growth (YoY) | 0.96% |
| Delinquency, all loans (60+ days) | 0.80% |
| Charter | State charter (federally insured) |
| Asset band | > $5B |
| NCUA peer group | over $500M |
| Sponsor type | Educational (inferred from the name) |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
WSECU uses Zest AI machine-learning scoring models to automate consumer and auto loan decisions, which is AI shaping decisions inside a core business process. It has also rolled out Microsoft Copilot for staff productivity.
- Washington State Employees Credit Union To Expand Credit Access With Zest AI “New scoring models will produce accurate, automated auto lending decisions”
- Washington State Employees Credit Union to Expand Credit Access with Zest AI “WSECU joins a growing family of credit unions turning to Zest AI for better underwriting”
- WSECU - Zest AI “Watch Julie Lind, Chief Lending Officer, and Meaghan Brown, Director of Consumer Loan Operations, discuss automation increases and powerful lending insights with Zest AI.”
- How To Build Credit Union AI Strategy In Real Time (Part 2) “the credit union’s most significant rollout so far is Microsoft Copilot, which is integrating with Office tools”