Numerica Credit Union Spokane Valley, Washington
Numerica Credit Union is a state-chartered credit union headquartered in Spokane Valley, WA, established in 1937 (NCUA charter 66841), and it is regulated and insured by the NCUA. At Q2 2026 it reported 179,425 members and total assets of $4.32B (up 6.2% from Q2 2025), the 5th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 12.03% at Q2 2026, in the well capitalized band.
Also written as Numerica CU
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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
- 66841
- Headquarters
- Spokane Valley, WA
- Established
- 1937
- Total assets, Q2 2026
- $4.32B
- Assets vs Q2 2025
- +6.2%
- Members, Q2 2026
- 179,425
- Net worth ratio, Q2 2026
- 12.03%
- Latest call report
- Q2 2026, NCUA 5300 · Numerica Credit Union call report
- Asset rank in state
- 5th of 73 in Washington
- Routing number
- 325182690
- Branches
- 25
It has 3,635 more members than on June 30, 2025 (+2.1%). Its net worth ratio was up 0.14 percentage points from 11.89% on June 30, 2025. Commercial loans are its largest loan category, $1.46B of $3.53B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.35% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.03% net worth ratio is above that band's 10.89% median.
Credit unions merged into Numerica Credit Union
Monad Federal Credit Union (2018)
Frequently asked about Numerica Credit Union
How big is Numerica Credit Union?
At Q2 2026 it reported total assets of $4.32B and 179,425 members.
Where is Numerica Credit Union headquartered?
It is headquartered in Spokane Valley, WA, United States.
When was Numerica Credit Union founded?
It was established in 1937, per NCUA records.
Is Numerica Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 66841): 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 Numerica 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 Numerica Credit Union well capitalized?
Its net worth ratio was 12.03% 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 Numerica Credit Union's delinquency ratio?
Its delinquency ratio was 0.35% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Numerica Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 95.98% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Spokane Valley, WA 99216
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1937
- NCUA Charter #
- 66841
- RSSD ID
- 681191
- Members
- 179,425
- Potential members
- 1,308,683
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B 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: 9.81% to 12.63% | 12.03% | 10.89% | 66th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.00% | 0.89% | 58th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.28% | 8.07% | 52nd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.04% | 3.45% | 25th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.51% | 70.59% | 43rd below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.15% | 1.68% | 19th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.35% | 0.68% | 85th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.19% | 5.12% | 55th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 95.98% | 88.03% | 77th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.32B total assets against $4.07B; $3.67B total shares and deposits against $3.46B; $3.53B total loans against $3.30B.
$520.0M net worth against $484.3M.
12.03% net worth ratio against 11.89%.
95.98% loan-to-share ratio against 95.38%.
0.35% delinquency ratio against 0.56%.
1.00% return on assets against 0.56%; 8.28% return on equity against 4.68%.
3.04% net interest margin against 2.89%.
179,425 members against 175,790.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.03% | 1.00% | 0.35% | 95.98% |
| March 31, 2026 | 11.73% | 1.00% | 0.42% | 93.19% |
| December 31, 2025 | 11.83% | 1.13% | 0.34% | 94.59% |
| September 30, 2025 | 11.75% | 0.57% | 0.41% | 94.41% |
| June 30, 2025 | 11.89% | 0.56% | 0.56% | 95.38% |
| March 31, 2025 | 11.62% | 0.64% | 0.53% | 92.19% |
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.