Avista Corp. Credit Union Spokane, Washington
Avista Corp. Credit Union is a state-chartered credit union headquartered in Spokane, WA, established in 1934 (NCUA charter 68284), and it is regulated and insured by the NCUA. At Q2 2026 it reported 3,671 members and total assets of $72.5M (up 5.1% from Q2 2025), the 53rd largest of 73 credit unions headquartered in Washington. Its net worth ratio was 18.04% at Q2 2026, in the well capitalized band.
Also written as Avista Corp. CU · Trade names filed with the NCUA: Avista CU and Avista Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68284
- Headquarters
- Spokane, WA
- Established
- 1934
- Total assets, Q2 2026
- $72.5M
- Assets vs Q2 2025
- +5.1%
- Members, Q2 2026
- 3,671
- Net worth ratio, Q2 2026
- 18.04%
- Latest call report
- Q2 2026, NCUA 5300 · Avista Corp. Credit Union call report
- Asset rank in state
- 53rd of 73 in Washington
- Routing number
- 325182771
- Branches
- 1
It has 58 more members than on June 30, 2025 (+1.6%). Its net worth ratio was down 0.57 percentage points from 18.61% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $30.1M of $42.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.08% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.04% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Washington
Frequently asked about Avista Corp. Credit Union
How big is Avista Corp. Credit Union?
At Q2 2026 it reported total assets of $72.5M and 3,671 members.
Where is Avista Corp. Credit Union headquartered?
It is headquartered in Spokane, WA, United States.
When was Avista Corp. Credit Union founded?
It was established in 1934, per NCUA records.
Is Avista Corp. Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68284): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Avista Corp. Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Avista Corp. Credit Union well capitalized?
Its net worth ratio was 18.04% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Avista Corp. Credit Union's delinquency ratio?
Its delinquency ratio was 0.08% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Avista Corp. Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 72.06% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Spokane, WA 99202
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 68284
- RSSD ID
- 982692
- Members
- 3,671
- Potential members
- 6,902
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 18.04% | 14.31% | 68th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.63% | 0.72% | 46th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.47% | 4.74% | 41st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.11% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 71.02% | 79.83% | 69th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.26% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.08% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.37% | 4.70% | 33rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 72.06% | 58.92% | 69th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$72.5M total assets against $69.0M; $59.2M total shares and deposits against $55.9M; $42.7M total loans against $40.8M.
$13.1M net worth against $12.8M.
18.04% net worth ratio against 18.61%.
72.06% loan-to-share ratio against 72.89%.
0.08% delinquency ratio against 0.04%.
0.63% return on assets against -0.27%; 3.47% return on equity against -1.44%.
2.11% net interest margin against 1.58%.
3,671 members against 3,613.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.04% | 0.63% | 0.08% | 72.06% |
| March 31, 2026 | 18.02% | 0.45% | 0.02% | 70.48% |
| December 31, 2025 | 18.07% | 0.28% | 0.03% | 72.19% |
| September 30, 2025 | 18.33% | 0.04% | 0.03% | 72.55% |
| June 30, 2025 | 18.61% | -0.27% | 0.04% | 72.89% |
| March 31, 2025 | 18.52% | -0.52% | 0.04% | 70.35% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.