Spokane City
Spokane, WA · Charter 68283 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$65.9MAssets
$50.1MLoans
$58.4MShares
$7.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets (rank 239 of 1682).
- Widest gap: efficiency ratio trails 83% of credit unions under $1B in assets (rank 1397 of 1682).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.43%
Rank 1,201 of 1,683
Net Interest Margin
3.70%
Rank 940 of 1,683
Efficiency Ratio
90.45%
Rank 1,397 of 1,682
Equity / Assets
10.62%
Rank 1,234 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.43% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,201 / 1,683 | |
| Return on Equity | 4.03% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,087 / 1,681 | |
| Net Interest Margin | 3.70% | 3.31% | 3.82% | 4.32% | Beats 44% | 940 / 1,683 | |
| Efficiency Ratio | 90.45% | 68.91% | 78.20% | 86.93% | Beats 17% | 1,397 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 86% | 239 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.62% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,234 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.62% | 10.44% | 12.89% | 16.53% | Beats 27% | 1,234 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 85.80% | 52.61% | 69.38% | 83.50% | 79th pctl | 349 / 1,683 | |
| Loans / Assets | 76.08% | 44.71% | 59.18% | 70.72% | 85th pctl | 248 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |