Credit Union Safety Analysis
Is Spokane Firefighters Credit Union Safe? Spokane, Washington
Based on its Q2 2026 NCUA 5300 call report, Spokane Firefighters Credit Union has a net worth ratio of 14.51%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.15%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Spokane Firefighters Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Spokane Firefighters Credit Union's net worth ratio is 14.51%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.51%
- Delinquency ratio (60+ days) (Q2 2026): 0.15%
- Return on assets (Q2 2026): 1.51%
- Loan-to-share ratio (Q2 2026): 66.73%
Spokane Firefighters Credit Union (NCUA charter 68205, established 1934) reported $86.4M in assets and 2,563 members for Q2 2026 from Spokane, Washington. It ranks 47 of 73 credit unions in Washington by total assets. Total assets grew 7.3% from $80.5M on June 30, 2025. It has 53 more members than on June 30, 2025 (+2.1%). Its net worth ratio was down 0.24 percentage points from 14.75% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $32.7M of $48.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% 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: 14.11% for Q1 2026; 14.75% 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: 0.14% for Q1 2026; 0.07% 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: 0.22% for Q1 2026; 0.84% 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: 66.35% for Q1 2026; 67.18% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $32.7M
- New vehicle loans: $6.5M
- Used vehicle loans: $4.3M
- Other secured non-real estate loans and lines of credit: $2.4M
- Unsecured credit card loans: $2.0M
- Commercial loans: $828K
- Other unsecured loans and lines of credit: $178K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $86.4M | 14.51% | 0.15% | 1.51% | 66.73% |
| March 31, 2026 | $86.5M | 14.11% | 0.14% | 0.22% | 66.35% |
| December 31, 2025 | $84.2M | 14.43% | 0.17% | 0.42% | 69.73% |
| September 30, 2025 | $82.6M | 14.62% | 0.15% | 0.94% | 68.91% |
| June 30, 2025 | $80.5M | 14.75% | 0.07% | 0.84% | 67.18% |
| March 31, 2025 | $81.2M | 14.42% | 0.05% | 0.45% | 65.06% |
Add this badge to your website
Free to use. It shows Spokane Firefighters 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.
Spokane Firefighters Credit Union profile
Regulator records: NCUA credit union profile (charter 68205) · FFIEC NIC profile (RSSD 680699)
Frequently asked questions
Is Spokane Firefighters Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Spokane Firefighters Credit Union's net worth ratio is 14.51%, above the 7% NCUA threshold for well capitalized.
Is Spokane Firefighters Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Spokane Firefighters Credit Union is a federally insured credit union (NCUA charter 68205): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Spokane Firefighters Credit Union's key safety ratios?
For Q2 2026, Spokane Firefighters Credit Union reports net worth 14.51%, delinquency 0.15%, ROA 1.51%, loan-to-share 66.73%.
What happens to my money if Spokane Firefighters Credit Union fails?
For Q2 2026, Spokane Firefighters Credit Union held $73.2M in shares and deposits for 2,563 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.