Credit Union Safety Analysis
Is Spokane Teachers Credit Union Safe? Liberty Lake, Washington
Based on its Q2 2026 NCUA 5300 call report, Spokane Teachers Credit Union has a net worth ratio of 10.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.39%, 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 Teachers Credit Union's net worth ratio is 10.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.38%
- Delinquency ratio (60+ days) (Q2 2026): 1.39%
- Return on assets (Q2 2026): 0.87%
- Loan-to-share ratio (Q2 2026): 96.55%
Spokane Teachers Credit Union (NCUA charter 68203, established 1934) reported $6.38B in assets and 313,593 members for Q2 2026 from Liberty Lake, Washington. It ranks 3 of 73 credit unions in Washington by total assets. Total assets grew 0.7% from $6.34B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.17% for Q1 2026; 9.88% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.88% for Q1 2026; 0.41% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.47% for Q1 2026; 0.20% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 95.18% for Q1 2026; 95.72% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.96B
- Used vehicle loans: $1.23B
- Commercial loans: $1.08B
- Other secured non-real estate loans and lines of credit: $515.5M
- Unsecured credit card loans: $212.0M
- New vehicle loans: $163.2M
- Other unsecured loans and lines of credit: $89.3M
- Non-federally guaranteed student loans: $59K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.38B | 10.38% | 1.39% | 0.87% | 96.55% |
| March 31, 2026 | $6.38B | 10.17% | 0.88% | 0.47% | 95.18% |
| December 31, 2025 | $6.32B | 10.14% | 0.46% | 0.45% | 96.40% |
| September 30, 2025 | $6.39B | 9.94% | 0.42% | 0.58% | 94.82% |
| June 30, 2025 | $6.34B | 9.88% | 0.41% | 0.20% | 95.72% |
| March 31, 2025 | $5.92B | 10.52% | 0.32% | 0.36% | 101.68% |
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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 Teachers Credit Union profile
Regulator records: NCUA credit union profile (charter 68203) · FFIEC NIC profile (RSSD 678892)
Frequently asked questions
Is Spokane Teachers Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Spokane Teachers Credit Union's net worth ratio is 10.38%, above the 7% NCUA threshold for well capitalized.
Is Spokane Teachers Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Spokane Teachers Credit Union is a federally insured credit union (NCUA charter 68203): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Spokane Teachers Credit Union's key safety ratios?
For Q2 2026, Spokane Teachers Credit Union reports net worth 10.38%, delinquency 1.39%, ROA 0.87%, loan-to-share 96.55%.
What happens to my money if Spokane Teachers Credit Union fails?
For Q2 2026, Spokane Teachers Credit Union held $5.43B in shares and deposits for 313,593 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.