Credit Union Safety Analysis
Is Responders Emergency Services Credit Union Safe? Spokane, Washington
Based on its Q2 2026 NCUA 5300 call report, Responders Emergency Services Credit Union has a net worth ratio of 17.32%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.01%, 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, Responders Emergency Services Credit Union's net worth ratio is 17.32%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.32%
- Delinquency ratio (60+ days) (Q2 2026): 0.01%
- Return on assets (Q2 2026): 0.66%
- Loan-to-share ratio (Q2 2026): 69.27%
Responders Emergency Services Credit Union (NCUA charter 68305, established 1966) reported $56.2M in assets and 2,606 members for Q2 2026 from Spokane, Washington. It ranks 59 of 73 credit unions in Washington by total assets. Total assets fell 3.7% from $58.4M on June 30, 2025. 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.
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: 16.92% for Q1 2026; 16.08% 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: 0.01% 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: 0.32% for Q1 2026; 1.11% 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: 69.58% for Q1 2026; 73.09% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $8.5M
- Other secured non-real estate loans and lines of credit: $8.3M
- 1- to 4-family residential and other consumer real estate loans: $7.3M
- New vehicle loans: $6.7M
- Unsecured credit card loans: $1.1M
- Other unsecured loans and lines of credit: $228K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $56.2M | 17.32% | 0.01% | 0.66% | 69.27% |
| March 31, 2026 | $57.0M | 16.92% | — | 0.32% | 69.58% |
| December 31, 2025 | $58.2M | 16.49% | 0.02% | 0.47% | 69.06% |
| September 30, 2025 | $57.1M | 16.68% | — | 0.98% | 72.26% |
| June 30, 2025 | $58.4M | 16.08% | 0.01% | 1.11% | 73.09% |
| March 31, 2025 | $57.8M | 15.96% | — | 0.11% | 74.60% |
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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.
Responders Emergency Services Credit Union profile
Regulator records: NCUA credit union profile (charter 68305) · FFIEC NIC profile (RSSD 94090)
Frequently asked questions
Is Responders Emergency Services Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Responders Emergency Services Credit Union's net worth ratio is 17.32%, above the 7% NCUA threshold for well capitalized.
Is Responders Emergency Services Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Responders Emergency Services Credit Union is a federally insured credit union (NCUA charter 68305): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Responders Emergency Services Credit Union's key safety ratios?
For Q2 2026, Responders Emergency Services Credit Union reports net worth 17.32%, delinquency 0.01%, ROA 0.66%, loan-to-share 69.27%.
What happens to my money if Responders Emergency Services Credit Union fails?
For Q2 2026, Responders Emergency Services Credit Union held $46.3M in shares and deposits for 2,606 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.