Credit Union Safety Analysis
Is Snocope Credit Union Safe? Everett, Washington
Based on its Q2 2026 NCUA 5300 call report, Snocope Credit Union has a net worth ratio of 9.59%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.93%, 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, Snocope Credit Union's net worth ratio is 9.59%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.59%
- Delinquency ratio (60+ days) (Q2 2026): 0.93%
- Return on assets (Q2 2026): 0.46%
- Loan-to-share ratio (Q2 2026): 61.01%
Snocope Credit Union (NCUA charter 68622, established 1959) reported $88.7M in assets and 5,790 members for Q2 2026 from Everett, Washington. It ranks 46 of 73 credit unions in Washington by total assets. Total assets grew 5.8% from $83.9M on June 30, 2025. It has 319 fewer members than on June 30, 2025 (-5.2%). Its net worth ratio was down 0.31 percentage points from 9.90% on June 30, 2025. Used vehicle loans are its largest loan category, $20.3M of $49.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.93% 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: 9.44% for Q1 2026; 9.90% 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: 1.05% for Q1 2026; 1.03% 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: 0.29% for Q1 2026; 0.83% 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: 61.27% for Q1 2026; 70.36% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $20.3M
- 1- to 4-family residential and other consumer real estate loans: $19.8M
- New vehicle loans: $5.8M
- Unsecured credit card loans: $1.7M
- Other secured non-real estate loans and lines of credit: $899K
- Other unsecured loans and lines of credit: $554K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $88.7M | 9.59% | 0.93% | 0.46% | 61.01% |
| March 31, 2026 | $89.0M | 9.44% | 1.05% | 0.29% | 61.27% |
| December 31, 2025 | $86.3M | 9.67% | 1.42% | -0.15% | 63.04% |
| September 30, 2025 | $85.4M | 9.80% | 1.11% | 0.31% | 66.66% |
| June 30, 2025 | $83.9M | 9.90% | 1.03% | 0.83% | 70.36% |
| March 31, 2025 | $84.4M | 9.64% | 1.22% | 0.83% | 72.05% |
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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.
Regulator records: NCUA credit union profile (charter 68622) · FFIEC NIC profile (RSSD 576185)
Frequently asked questions
Is Snocope Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Snocope Credit Union's net worth ratio is 9.59%, above the 7% NCUA threshold for well capitalized.
Is Snocope Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Snocope Credit Union is a federally insured credit union (NCUA charter 68622): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Snocope Credit Union's key safety ratios?
For Q2 2026, Snocope Credit Union reports net worth 9.59%, delinquency 0.93%, ROA 0.46%, loan-to-share 61.01%.
What happens to my money if Snocope Credit Union fails?
For Q2 2026, Snocope Credit Union held $80.4M in shares and deposits for 5,790 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.