Responders Emergency Services Credit Union Spokane, Washington
Responders Emergency Services Credit Union is a state-chartered credit union headquartered in Spokane, WA, established in 1966 (NCUA charter 68305), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,606 members and total assets of $56.2M (down 3.7% from Q2 2025), the 59th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 17.32% at Q2 2026, in the well capitalized band.
Also written as Responders Emergency Services CU · Trade names filed with the NCUA: Spokane Law Enforcement CU and First Responders Credit Union
BankRegReports is independent of Responders Emergency Services Credit Union and never asks for online banking logins or passwords.
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
- 68305
- Headquarters
- Spokane, WA
- Established
- 1966
- Total assets, Q2 2026
- $56.2M
- Assets vs Q2 2025
- -3.7%
- Members, Q2 2026
- 2,606
- Net worth ratio, Q2 2026
- 17.32%
- Latest call report
- Q2 2026, NCUA 5300 · Responders Emergency Services Credit Union call report
- Asset rank in state
- 59th of 73 in Washington
- Routing number
- 325182674
- Branches
- 2
It has 67 fewer members than on June 30, 2025 (-2.5%). Its net worth ratio was up 1.24 percentage points from 16.08% on June 30, 2025. Used vehicle loans are its largest loan category, $8.5M of $32.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.01% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 17.32% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Washington
Frequently asked about Responders Emergency Services Credit Union
How big is Responders Emergency Services Credit Union?
At Q2 2026 it reported total assets of $56.2M and 2,606 members.
Where is Responders Emergency Services Credit Union headquartered?
It is headquartered in Spokane, WA, United States.
When was Responders Emergency Services Credit Union founded?
It was established in 1966, per NCUA records.
Is Responders Emergency Services Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68305): 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 Responders Emergency Services 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 Responders Emergency Services Credit Union well capitalized?
Its net worth ratio was 17.32% 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 Responders Emergency Services Credit Union's delinquency ratio?
Its delinquency ratio was 0.01% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Responders Emergency Services Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 69.27% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Spokane, WA 99201
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1966
- NCUA Charter #
- 68305
- RSSD ID
- 94090
- Members
- 2,606
- Potential members
- 30,860
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 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 17.32% | 14.31% | 65th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.66% | 0.72% | 48th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.83% | 4.74% | 44th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.29% | 3.93% | 24th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 85.31% | 79.83% | 38th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.79% | 0.78% | 50th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.01% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.07% | 4.70% | 21st position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 69.27% | 58.92% | 65th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$56.2M total assets against $58.4M; $46.3M total shares and deposits against $48.9M; $32.1M total loans against $35.7M.
$9.7M net worth against $9.4M.
17.32% net worth ratio against 16.08%.
69.27% loan-to-share ratio against 73.09%.
0.01% delinquency ratio against 0.01%.
0.66% return on assets against 1.11%; 3.83% return on equity against 6.92%.
3.29% net interest margin against 3.24%.
2,606 members against 2,673.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 17.32% | 0.66% | 0.01% | 69.27% |
| March 31, 2026 | 16.92% | 0.32% | — | 69.58% |
| December 31, 2025 | 16.49% | 0.47% | 0.02% | 69.06% |
| September 30, 2025 | 16.68% | 0.98% | — | 72.26% |
| June 30, 2025 | 16.08% | 1.11% | 0.01% | 73.09% |
| March 31, 2025 | 15.96% | 0.11% | — | 74.60% |
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.