Credit Union Safety Analysis
Is Spokane City Credit Union Safe? Spokane, Washington
Based on its Q2 2026 NCUA 5300 call report, Spokane City Credit Union has a net worth ratio of 10.62%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.11%, 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, Spokane City Credit Union's net worth ratio is 10.62%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.62%
- Delinquency ratio (60+ days) (Q2 2026): 0.11%
- Return on assets (Q2 2026): 0.44%
- Loan-to-share ratio (Q2 2026): 85.80%
Spokane City Credit Union (NCUA charter 68283, established 1934) reported $65.9M in assets and 4,248 members for Q2 2026 from Spokane, Washington. It ranks 54 of 73 credit unions in Washington by total assets. Total assets were about level with $65.9M on June 30, 2025. It has 67 fewer members than on June 30, 2025 (-1.6%). Its net worth ratio was up 0.55 percentage points from 10.07% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $31.5M of $50.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.11% 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: 10.55% for Q1 2026; 10.07% 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: 0.09% for Q1 2026; 0.19% 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: 0.41% for Q1 2026; 0.89% 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: 86.38% for Q1 2026; 87.22% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $31.5M
- Used vehicle loans: $7.5M
- Other secured non-real estate loans and lines of credit: $4.3M
- Unsecured credit card loans: $2.7M
- New vehicle loans: $2.5M
- Other unsecured loans and lines of credit: $1.6M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $65.9M | 10.62% | 0.11% | 0.44% | 85.80% |
| March 31, 2026 | $65.7M | 10.55% | 0.09% | 0.41% | 86.38% |
| December 31, 2025 | $63.2M | 10.85% | 0.25% | 0.57% | 89.86% |
| September 30, 2025 | $64.9M | 10.42% | 0.35% | 0.80% | 89.04% |
| June 30, 2025 | $65.9M | 10.07% | 0.19% | 0.89% | 87.22% |
| March 31, 2025 | $65.5M | 9.91% | 0.20% | 0.76% | 87.40% |
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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.
Spokane City Credit Union profile
Regulator records: NCUA credit union profile (charter 68283) · FFIEC NIC profile (RSSD 141396)
Frequently asked questions
Is Spokane City Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Spokane City Credit Union's net worth ratio is 10.62%, above the 7% NCUA threshold for well capitalized.
Is Spokane City Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Spokane City Credit Union is a federally insured credit union (NCUA charter 68283): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Spokane City Credit Union's key safety ratios?
For Q2 2026, Spokane City Credit Union reports net worth 10.62%, delinquency 0.11%, ROA 0.44%, loan-to-share 85.80%.
What happens to my money if Spokane City Credit Union fails?
For Q2 2026, Spokane City Credit Union held $58.4M in shares and deposits for 4,248 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.