Credit Union Safety Analysis
Is Numerica Credit Union Safe? Spokane Valley, Washington
Based on its Q2 2026 NCUA 5300 call report, Numerica Credit Union has a net worth ratio of 12.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.35%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Numerica Credit Union's net worth ratio is 12.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.03%
- Delinquency ratio (60+ days) (Q2 2026): 0.35%
- Return on assets (Q2 2026): 1.00%
- Loan-to-share ratio (Q2 2026): 95.98%
Numerica Credit Union (NCUA charter 66841, established 1937) reported $4.32B in assets and 179,425 members for Q2 2026 from Spokane Valley, Washington. It ranks 5 of 73 credit unions in Washington by total assets. Total assets grew 6.2% from $4.07B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.73% for Q1 2026; 11.89% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.42% for Q1 2026; 0.56% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.00% for Q1 2026; 0.56% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 93.19% for Q1 2026; 95.38% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $1.46B
- 1- to 4-family residential and other consumer real estate loans: $1.01B
- Used vehicle loans: $476.8M
- Other secured non-real estate loans and lines of credit: $277.4M
- New vehicle loans: $196.9M
- Unsecured credit card loans: $78.0M
- Other unsecured loans and lines of credit: $29.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.32B | 12.03% | 0.35% | 1.00% | 95.98% |
| March 31, 2026 | $4.34B | 11.73% | 0.42% | 1.00% | 93.19% |
| December 31, 2025 | $4.21B | 11.83% | 0.34% | 1.13% | 94.59% |
| September 30, 2025 | $4.17B | 11.75% | 0.41% | 0.57% | 94.41% |
| June 30, 2025 | $4.07B | 11.89% | 0.56% | 0.56% | 95.38% |
| March 31, 2025 | $4.11B | 11.62% | 0.53% | 0.64% | 92.19% |
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Free to use. It shows Numerica Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 66841) · FFIEC NIC profile (RSSD 681191)
Frequently asked questions
Is Numerica Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Numerica Credit Union's net worth ratio is 12.03%, above the 7% NCUA threshold for well capitalized.
Is Numerica Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Numerica Credit Union is a federally insured credit union (NCUA charter 66841): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Numerica Credit Union's key safety ratios?
For Q2 2026, Numerica Credit Union reports net worth 12.03%, delinquency 0.35%, ROA 1.00%, loan-to-share 95.98%.
What happens to my money if Numerica Credit Union fails?
For Q2 2026, Numerica Credit Union held $3.67B in shares and deposits for 179,425 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.