Spokane Teachers
Liberty Lake, WA · Charter 68203 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 53 branches
Q2 2026
$6.4BAssets
$5.2BLoans
$5.4BShares
$662.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 57% of credit unions $1B-$10B in assets (rank 188 of 435).
- Widest gap: nonperforming loans / loans trails 87% of credit unions $1B-$10B in assets (rank 379 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.67%
Rank 288 of 435
Net Interest Margin
3.48%
Rank 188 of 435
Efficiency Ratio
70.01%
Rank 194 of 435
Equity / Assets
10.38%
Rank 271 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.55% | 0.81% | 1.14% | Beats 34% | 288 / 435 | |
| Return on Equity | 6.43% | 5.12% | 7.41% | 9.70% | Beats 37% | 273 / 435 | |
| Net Interest Margin | 3.48% | 3.01% | 3.39% | 3.75% | Beats 57% | 188 / 435 | |
| Efficiency Ratio | 70.01% | 65.25% | 71.39% | 77.86% | Beats 56% | 194 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.39% | 0.45% | 0.69% | 1.05% | Beats 13% | 379 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.38% | 9.81% | 10.84% | 12.63% | Beats 38% | 271 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.38% | 9.81% | 10.84% | 12.63% | Beats 38% | 271 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 96.55% | 78.33% | 88.38% | 95.61% | 77th pctl | 99 / 435 | |
| Loans / Assets | 82.14% | 67.69% | 74.58% | 80.80% | 83rd pctl | 74 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |