Credit Union Safety Analysis
Is Primesource Credit Union Safe? Spokane, Washington
Based on its Q2 2026 NCUA 5300 call report, Primesource Credit Union has a net worth ratio of 12.36%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 2.57%, 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, Primesource Credit Union's net worth ratio is 12.36%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.36%
- Delinquency ratio (60+ days) (Q2 2026): 2.57%
- Return on assets (Q2 2026): -2.07%
- Loan-to-share ratio (Q2 2026): 67.75%
Primesource Credit Union (NCUA charter 67911, established 1935) reported $83.9M in assets and 6,836 members for Q2 2026 from Spokane, Washington. It ranks 48 of 73 credit unions in Washington by total assets. Total assets fell 8.9% from $92.1M on June 30, 2025. It has 56 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.18 percentage points from 12.18% on June 30, 2025. Used vehicle loans are its largest loan category, $19.3M of $49.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.57% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 12.64% for Q1 2026; 12.18% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 3.24% for Q1 2026; 2.19% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -1.38% for Q1 2026; -0.14% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 63.34% for Q1 2026; 67.87% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $19.3M
- 1- to 4-family residential and other consumer real estate loans: $11.2M
- Other secured non-real estate loans and lines of credit: $8.3M
- New vehicle loans: $7.9M
- Unsecured credit card loans: $1.5M
- Other unsecured loans and lines of credit: $1.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $83.9M | 12.36% | 2.57% | -2.07% | 67.75% |
| March 31, 2026 | $85.3M | 12.64% | 3.24% | -1.38% | 63.34% |
| December 31, 2025 | $89.7M | 12.35% | 3.17% | -0.10% | 63.69% |
| September 30, 2025 | $90.9M | 12.24% | 3.39% | -0.43% | 65.52% |
| June 30, 2025 | $92.1M | 12.18% | 2.19% | -0.14% | 67.87% |
| March 31, 2025 | $92.7M | 12.13% | 1.92% | -0.20% | 66.40% |
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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.
Primesource Credit Union profile
Regulator records: NCUA credit union profile (charter 67911) · FFIEC NIC profile (RSSD 22794)
Frequently asked questions
Is Primesource Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Primesource Credit Union's net worth ratio is 12.36%, above the 7% NCUA threshold for well capitalized.
Is Primesource Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Primesource Credit Union is a federally insured credit union (NCUA charter 67911): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Primesource Credit Union's key safety ratios?
For Q2 2026, Primesource Credit Union reports net worth 12.36%, delinquency 2.57%, ROA -2.07%, loan-to-share 67.75%.
What happens to my money if Primesource Credit Union fails?
For Q2 2026, Primesource Credit Union held $73.0M in shares and deposits for 6,836 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.