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The Lender Report built this page from public records. Harborstone Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Harborstone Credit Union itself. Each figure shows its source and date. Work at Harborstone Credit Union? You can claim this page for free.

Credit union, Tacoma, WA

Harborstone Credit Union

A credit union based in Tacoma, WA. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.

Kind: Credit union
Data as of: June 30, 2026
Page last changed: November 12, 2026

Commercial book: $673M; NCUA 5300, Jun 30, 2026; Holds, not loans made
Commercial loans made, H1 2026: 36; NCUA 5300, Jun 30, 2026; Real-estate-secured
SBA loans, 36 months: 115; SBA FOIA, Sep 30, 2026; 7(a) and 504, net of cancelled
Total assets: $3.13B; NCUA 5300, Jun 30, 2026

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How to reach them

Each line shows where it came from

Phone: 253-584-2260 From the NCUA record, June 30, 2026.
Website: www.harborstone.comFrom the NCUA record, November 9, 2026.
Commercial lending page: harborstone.comFrom the lender's website, retrieved November 11, 2026.
Names it files under: HARBORSTONE; Savi powered by Harborstone Credit Union; Generations Credit Union; Community 1st Credit UnionNCUA 5300, Jun 30, 2026
Address: PO Box 4207, Tacoma, WA 98438NCUA 5300, Jun 30, 2026
Regulator record: NCUA profile

You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Harborstone Credit Union's Owner-occupied CRE balance rose 14.0% to $164M in the quarter ended June 30, 2026. NCUA 5300, Jun 30, 2026

What the public record shows, newest first
When	What the record shows	Source
October 21, 2026	Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume.	CDFI Fund certified list, Oct 21, 2026
Oct 2023 to Sep 2026	SBA 7(a) approvals by processing method: 60 under Preferred Lender authority, 32 SBA Express.SBA ProcessingMethod field, net of cancellations.	SBA FOIA, Sep 30, 2026
Jun 2025 to Jun 2026	Non-owner-occupied CRE balance rose 74.1% to $237.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	NCUA 5300
Jun 2025 to Jun 2026	Owner-occupied CRE balance rose 224.2% to $164M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	NCUA 5300
Jun 2025 to Jun 2026	Multifamily balance rose 35.2% to $139.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	NCUA 5300

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Harborstone Credit UnionNewest first
Period	Place	Loan	Amount	Rate	Term	LTV	Source
Sep 2026	Washington	SBA 7(a), General Automotive Repair	$3.8M	7.75%	25 yr		SBA FOIA
Sep 2026	Washington	SBA 7(a), Other Management Consulting Services	$920K	8.5%	10 yr		SBA FOIA
Sep 2026	Washington	SBA 7(a), Other Management Consulting Services	$100K	8.25%	10 yr		SBA FOIA
Aug 2026	Washington	SBA 7(a), Fitness and Recreational Sports Centers	$2M	9.25%	11 yr		SBA FOIA
Jul 2026	Washington	SBA 7(a), Meat Retailers	$1.6M	9.25%	10 yr		SBA FOIA
Jun 2026	Washington	SBA 7(a), Janitorial Services	$370K	9.25%	10 yr		SBA FOIA
May 2026	Washington	SBA 7(a), Convenience Retailers	$680K	9.25%	10 yr		SBA FOIA
May 2026	Washington	SBA 7(a), Fitness and Recreational Sports Centers	$330K	9.5%	10 yr		SBA FOIA
May 2026	Washington	SBA 7(a), Convenience Retailers	$25K	9%	10 yr		SBA FOIA
Apr 2026	Washington	SBA 7(a), All Other Specialty Trade Contractors	$1.7M	9.25%	10 yr		SBA FOIA
Apr 2026	Washington	SBA 7(a), Limited-Service Restaurants	$530K	8.25%	25 yr		SBA FOIA
Apr 2026	Washington	SBA 7(a), All Other Specialty Trade Contractors	$250K	9.25%	10 yr		SBA FOIA
Apr 2026	Washington	SBA 7(a), All Other Consumer Goods Rental	$190K	9.5%	10 yr		SBA FOIA
Mar 2026	Washington	SBA 504, Retail Trade	$1.4M		25 yr		SBA FOIA
Mar 2026	Washington	SBA 7(a), Professional, Scientific, and Technical Services	$1.2M	9%	10 yr		SBA FOIA
Mar 2026	Oregon	SBA 504, Full-Service Restaurants	$1.1M		25 yr		SBA FOIA
Mar 2026	Washington	SBA 7(a), Other Building Material Dealers	$230K	9.25%	10 yr		SBA FOIA
Mar 2026	Washington	SBA 7(a), Beauty Salons	$180K	9.5%	10 yr		SBA FOIA
Mar 2026	Washington	SBA 7(a), Professional, Scientific, and Technical Services	$50K	9%	10 yr		SBA FOIA
2025	Pierce County, WA	Purchase, 5 to 24 units	$1.4M	6.25%		54%	HMDA 2025
2025	King County, WA	Cash-out refinance, 5 to 24 units	$760K	6.5%		55%	HMDA 2025
Dec 2025	Washington	SBA 7(a), Limited-Service Restaurants	$540K	9.75%	10 yr		SBA FOIA
Dec 2025	Washington	SBA 7(a), Offices of Lawyers	$450K	9.75%	10 yr		SBA FOIA
Dec 2025	Oregon	SBA 7(a), Limited-Service Restaurants	$440K	9.25%	10 yr		SBA FOIA
Nov 2025	Oregon	SBA 504, Limited-Service Restaurants	$1.1M		25 yr		SBA FOIA
102 SBA 7(a) loans since October 2023, net of cancelled			$61.6M	SBA FOIA

A blank means the source did not report it.

What it holds

NCUA 5300, June 30, 2026

Commercial book on the latest filing
Book	Holds	Of its loans	Year over year	Loans	Average
Multifamily	$140M	5.8%	+35.2%	102	$1.37M
Construction and land development	$22.5M	0.9%	+254.7%	22	$1.02M
Owner-occupied CRE	$164M	6.8%	+224.2%	246	$666K
Non-owner-occupied CRE	$237M	9.8%	+74.1%	230	$1.03M
Farmland	$3.35M	0.1%	+198.2%	6	$559K
Commercial and industrial	$106M	4.4%	+299.4%	454	$234K
Other real-estate-secured commercial	$242K	0.0%	Not reported	Not reported	Not reported
Commercial total	$673M

NCUA 5300, Jun 30, 2026

Table

Commercial book by quarter
Quarter	Commercial book
Q3 2023	$223M
Q4 2023	$229M
Q1 2024	$232M
Q2 2024	$342M
Q3 2024	$347M
Q4 2024	$344M
Q1 2025	$334M
Q2 2025	$324M
Q3 2025	$673M
Q4 2025	$671M
Q1 2026	$659M
Q2 2026	$673M

NCUA 5300, Jun 30, 2026

Loans on record, by kind
Kind of loan	Period	Loans made	Dollars	Typical size	Largest	Source
Multifamily, 5 or more units	2025	2	$2.20M	$1.10M	$1.4M	HMDA, 2025
Multifamily, 5 or more units	2024	5	$7.45M	$1.25M		HMDA, 2024
1-4 unit investor or business purpose	2025	7	$1.84M	$225K		HMDA, 2025
SBA 7(a), net of cancelled	36 months to Sep 2026	102	$61.6M	$369K	$3.8M	SBA FOIA, Sep 30, 2026
SBA 7(a), net of cancelled	12 months to Sep 2026	22	$15.9M			SBA FOIA, Sep 30, 2026
SBA 504 first lien, net of cancelled	36 months to Sep 2026	13	$10.3M	$912K	$1.4M	SBA FOIA, Sep 30, 2026
Real-estate-secured commercial	First half of 2026	36	$39.5M			NCUA 5300, Jun 30, 2026
Multifamily	First half of 2026	6	$12.1M			NCUA 5300, Jun 30, 2026
Construction	First half of 2026	2	$1.29M			NCUA 5300, Jun 30, 2026
Owner-occupied CRE	First half of 2026	15	$13.9M			NCUA 5300, Jun 30, 2026
Non-owner-occupied CRE	First half of 2026	13	$12.1M			NCUA 5300, Jun 30, 2026
C&I	First half of 2026	63	$17.0M			NCUA 5300, Jun 30, 2026

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.

Average loan on the books, by kind
Book	Average loan
Construction and land development	$1.02M
Multifamily	$1.37M
Owner-occupied CRE	$666K
Non-owner-occupied CRE	$1.03M
Farmland	$559K
Commercial and industrial	$234K

NCUA 5300, Jun 30, 2026

SBA loans by industry, 36 months
Industry	Loans	Dollars
Limited-Service Restaurants	12	$5.95M
Plumbing, Heating, and Air-Conditioning Contractors	6	$4.68M
Full-Service Restaurants	6	$2.39M
Retail Trade	5	$4.46M
Professional, Scientific, and Technical Services	5	$4.14M

SBA FOIA, Sep 30, 2026

Other lenders in these fields: SBA lenders for restaurants, SBA lenders for construction trades, SBA lenders for retail stores.

Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).

Program lists that name this lender

Membership, not lending volume

Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2016-04-06.

Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.

CDFI Fund: List of Certified CDFIs, Oct 21, 2026

Where it lends

Offices beside loans on record

Offices and recorded loans by state
State	Offices	Multifamily 2025	1-4 investor 2025	SBA 7(a) 36 mo.	SBA 504 36 mo.
Washington HQ	31	2	6	80	7
Oregon	0	0	0	21	6
Idaho	0	0	0	1	0
Texas	0	0	1	0	0

NCUA, Jun 30, 2026HMDA, 2025SBA FOIA, Sep 30, 2026

Counties with the most recorded loans (5 or more)
County	Recorded loans	Dollars
Pierce County, WA	6	$8.85M

HMDA, 2025SBA FOIA, Sep 30, 2026

Metro areas with the most recorded loans (5 or more)
Metro	Recorded loans	Dollars
Tacoma-Lakewood, WA	6	$8.85M

HMDA, 2025SBA FOIA, Sep 30, 2026

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
Measure	This lender	Its peers	How it is worked out	Source
Business loan cap	$384M	$224M to $529M across 8 peers	Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union.	NCUA 5300, Jun 30, 2026 12 CFR 723.8, Jun 30, 2026
Business loans outstanding	$707M	$90.8M to $1.58B across 8 peers	Net member business loans, as reported on Form 5300.	NCUA 5300, Jun 30, 2026
Cap used	184.1%	29.6% to 299.3% across 8 peers	Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap.	NCUA 5300, Jun 30, 2026
Largest single borrower	$43.9M	$31.4M to $78.0M across 8 peers	Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated.	NCUA 5300, Jun 30, 2026 12 CFR 723.4, Jun 30, 2026
CRE to net worth	136.5%	29.4% to 225.3% across 8 peers	(Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit.	NCUA 5300, Jun 30, 2026
Loans to assets	77.5%	69.9% to 81.6% across 8 peers	Total loans divided by total assets.	NCUA 5300, Jun 30, 2026

Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.

Loan channel and SBA processing

Public record only

Preferred Lender authority: 60 loans (58.8%)
SBA Express: 32 loans
Approval to first disbursement: 13 days, median of 92

SBA FOIA, Sep 30, 2026 SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
Lender	State	Total assets	Commercial book
Sound Credit Union	WA	$3.40B	$879M
Hapo Community Credit Union	WA	$2.99B	$523M
Columbia Community Credit Union	WA	$2.59B	$569M
Numerica Credit Union	WA	$4.32B	$1.43B
Fibre Credit Union	WA	$1.82B	$178M
PEAK Credit Union	WA	$4.25B	$464M
Kitsap Credit Union	WA	$2.51B	$86.5M
Whatcom Educational Credit Union	WA	$3.40B	$663M

NCUA 5300, Jun 30, 2026

Compare these lenders side by side

What we don't know

Whether it is taking new loans today, or on what terms.
Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
Whether it takes brokers. No figure here means no evidence, not a refusal.
Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.

Check this page

Against the regulator's own record

Name and charter. Harborstone Credit Union, NCUA charter 66399. Compare it with the regulator's record. [NCUA profile]
Balances. $3.13B in total assets and $673M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
Loans made. 36 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 129 loans in HMDA and SBA files, through September 30, 2026: 2 HMDA multifamily 2025, 5 HMDA multifamily 2024, 7 HMDA 1-4 unit investor 2025, 102 SBA 7(a) in 36 months, 13 SBA 504 first liens in 36 months. [How each file was tied to Harborstone Credit Union]
Phone and website. Phone 253-584-2260, from the NCUA record. Website harborstone.com, from the NCUA record. [How to reach them]

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For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator: NCUA and state regulator
NCUA charter: 66399
RSSD: 8695
LEI: 54930028J11BWKUVGX50
The Lender Report ID: lr_000585

Main office county: Pierce
Members: 121,661
NCUA region: 3 - Western

NCUA credit union details, Nov 8, 2026

Reported $3.1B in total assets as of June 30, 2026 (NCUA 5300).
Held $673.2M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
Held $237.2M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 74.1% from a year earlier (NCUA 5300).
Held $164M of owner-occupied commercial real estate loans as of June 30, 2026, up 224.2% from a year earlier (NCUA 5300).
Held $139.9M of multifamily loans as of June 30, 2026, up 35.2% from a year earlier (NCUA 5300).
Originated 2 multifamily loans totaling $2.2M in 2025 (HMDA).

9 more sentences

Originated 5 multifamily loans totaling $7.4M in 2024 (HMDA).
Originated 7 1-4 unit investor or business-purpose loans totaling $1.8M in 2025 (HMDA).
Recorded 103 SBA 7(a) approvals totaling $61.8M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
Provided the first lien on 13 SBA 504 projects with $10.3M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
Originated 36 real-estate-secured commercial loans totaling $39.5M in the first half of 2026 (NCUA 5300).
Bought $8K of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
Held $27.1M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
Listed 31 offices in 1 state (NCUA).
Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).

Cite this

Source: The Lender Report, Harborstone Credit Union, https://lender.report/lender/harborstone-credit-union-wa/, data as of June 30, 2026.

Sources

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Call 253-584-2260 Website

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem