Spokane Teachers Credit Union Liberty Lake, Washington
Spokane Teachers Credit Union is a state-chartered credit union headquartered in Liberty Lake, WA, established in 1934 (NCUA charter 68203), and it is regulated and insured by the NCUA. At Q2 2026 it reported 313,593 members and total assets of $6.38B (up 0.7% from Q2 2025), the 3rd largest of 73 credit unions headquartered in Washington. Its net worth ratio was 10.38% at Q2 2026, in the well capitalized band.
Also written as Spokane Teachers CU · Trade name filed with the NCUA: STCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68203
- Headquarters
- Liberty Lake, WA
- Established
- 1934
- Total assets, Q2 2026
- $6.38B
- Assets vs Q2 2025
- +0.7%
- Members, Q2 2026
- 313,593
- Net worth ratio, Q2 2026
- 10.38%
- Latest call report
- Q2 2026, NCUA 5300 · Spokane Teachers Credit Union call report
- Asset rank in state
- 3rd of 73 in Washington
- Routing number
- 325182700
- Branches
- 54
It has 8,385 more members than on June 30, 2025 (+2.7%). Its net worth ratio was up 0.50 percentage points from 9.88% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.96B of $5.24B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.39% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.38% net worth ratio is below that band's 10.89% median.
Credit unions merged into Spokane Teachers Credit Union
Frequently asked about Spokane Teachers Credit Union
How big is Spokane Teachers Credit Union?
At Q2 2026 it reported total assets of $6.38B and 313,593 members.
Where is Spokane Teachers Credit Union headquartered?
It is headquartered in Liberty Lake, WA, United States.
When was Spokane Teachers Credit Union founded?
It was established in 1934, per NCUA records.
Is Spokane Teachers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68203): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Spokane Teachers Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Spokane Teachers Credit Union well capitalized?
Its net worth ratio was 10.38% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Spokane Teachers Credit Union's delinquency ratio?
Its delinquency ratio was 1.39% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Spokane Teachers Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 96.55% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Liberty Lake, WA 99019
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 68203
- RSSD ID
- 678892
- Members
- 313,593
- Potential members
- 8,648,068
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.38% | 10.89% | 38th below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.87% | 0.89% | 49th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.39% | 8.07% | 53rd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.50% | 3.45% | 54th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 67.10% | 70.59% | 62nd above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.16% | 1.68% | 18th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.39% | 0.68% | 13th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.66% | 5.12% | 84th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 96.55% | 88.03% | 78th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.38B total assets against $6.34B; $5.43B total shares and deposits against $5.35B; $5.24B total loans against $5.12B.
$662.4M net worth against $626.2M.
10.38% net worth ratio against 9.88%.
96.55% loan-to-share ratio against 95.72%.
1.39% delinquency ratio against 0.41%.
0.87% return on assets against 0.20%; 8.39% return on equity against 2.06%.
3.50% net interest margin against 3.06%.
313,593 members against 305,208.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.38% | 0.87% | 1.39% | 96.55% |
| March 31, 2026 | 10.17% | 0.47% | 0.88% | 95.18% |
| December 31, 2025 | 10.14% | 0.45% | 0.46% | 96.40% |
| September 30, 2025 | 9.94% | 0.58% | 0.42% | 94.82% |
| June 30, 2025 | 9.88% | 0.20% | 0.41% | 95.72% |
| March 31, 2025 | 10.52% | 0.36% | 0.32% | 101.68% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.