credit union

Sound

Tacoma, WA · Est. 1940
A
Trust Grade
Excellent
Score: 91/100

Sound is a credit union based in Tacoma, Washington, established in 1940, with $3.4 billion in total assets serving 181,030 members. By Trust Grade it ranks 44th of 75 credit unions we track in Washington. Its net worth ratio of 10.6% trails most similarly sized credit unions (47th percentile), versus a Washington median of 12.4%. It was profitable over the most recent period, with a 0.83% return on assets. No consumer complaints against Sound appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$3.4B
$1B–10B institution
Members
181,030
Shares & deposits
—
Net worth ratio
10.6%
Bottom 47% of $1B–10B peers · Washington median 12.4%
Return on assets
0.8%
Top 40% of $1B–10B peers · Washington median 0.56%
Rank in Washington
#44
of 75 credit unions

How Sound compares to Washington peers

Net worth ratio
Bottom 47% of $1B–10B peers
Sound
10.6%
Washington median
12.4%
Higher capital ratio = stronger financial cushion
Return on assets
Top 40% of $1B–10B peers
Sound
0.8%
Washington median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Sound

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
91/100
Customer experience
n/a
Overall
A · 91
  • Well-capitalized (10.6% capital ratio)
  • Profitable (ROA 0.83%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Sound over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Sound insured?

Yes. Sound is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Sound: frequently asked questions

Is Sound a good credit union?

Sound earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (10.6% capital ratio); Profitable (ROA 0.83%).

Is Sound NCUA-insured?

Yes. Sound is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Sound?

Sound holds $3.4 billion in total assets, ranking 44th of 75 credit unions we track in Washington. It serves 181,030 members.

Does Sound have CFPB complaints?

No CFPB complaints against Sound appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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