Credit Union Safety Analysis
Is Sno Falls Credit Union Safe? North Bend, Washington
Based on its Q2 2026 NCUA 5300 call report, Sno Falls Credit Union has a net worth ratio of 8.24%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Sno Falls Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Sno Falls Credit Union's net worth ratio is 8.24%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.24%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): -0.08%
- Loan-to-share ratio (Q2 2026): 80.11%
Sno Falls Credit Union (NCUA charter 68293, established 1957) reported $99.0M in assets and 4,999 members for Q2 2026 from North Bend, Washington. It ranks 41 of 73 credit unions in Washington by total assets. Total assets grew 3.5% from $95.6M on June 30, 2025. It has 329 fewer members than on June 30, 2025 (-6.2%). Its net worth ratio was down 0.34 percentage points from 8.58% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $39.6M of $71.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% matches 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: 8.62% for Q1 2026; 8.58% 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: 0.85% 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: 0.19% for Q1 2026; 0.45% 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: 79.77% for Q1 2026; 79.47% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $39.6M
- Other secured non-real estate loans and lines of credit: $17.8M
- Used vehicle loans: $6.8M
- New vehicle loans: $2.1M
- Commercial loans: $2.0M
- Unsecured credit card loans: $1.8M
- 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 | $99.0M | 8.24% | 0.86% | -0.08% | 80.11% |
| March 31, 2026 | $101.2M | 8.62% | 0.85% | 0.19% | 79.77% |
| December 31, 2025 | $98.9M | 8.63% | 0.71% | 1.00% | 77.96% |
| September 30, 2025 | $100.2M | 8.43% | 1.95% | 0.26% | 77.78% |
| June 30, 2025 | $95.6M | 8.58% | 2.19% | 0.45% | 79.47% |
| March 31, 2025 | $98.4M | 8.23% | 0.45% | 0.29% | 75.12% |
Add this badge to your website
Free to use. It shows Sno Falls 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.
Sno Falls Credit Union profile
Regulator records: NCUA credit union profile (charter 68293) · FFIEC NIC profile (RSSD 71091)
Frequently asked questions
Is Sno Falls Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Sno Falls Credit Union's net worth ratio is 8.24%, above the 7% NCUA threshold for well capitalized.
Is Sno Falls Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Sno Falls Credit Union is a federally insured credit union (NCUA charter 68293): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Sno Falls Credit Union's key safety ratios?
For Q2 2026, Sno Falls Credit Union reports net worth 8.24%, delinquency 0.86%, ROA -0.08%, loan-to-share 80.11%.
What happens to my money if Sno Falls Credit Union fails?
For Q2 2026, Sno Falls Credit Union held $89.1M in shares and deposits for 4,999 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.