Responders Emergency Services
Spokane, WA · Charter 68305 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$56.2MAssets
$32.1MLoans
$46.3MShares
$9.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets (rank 142 of 1682).
- Widest gap: efficiency ratio trails 77% of credit unions under $1B in assets (rank 1291 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.49%
Rank 1,145 of 1,683
Net Interest Margin
3.30%
Rank 1,270 of 1,683
Efficiency Ratio
87.62%
Rank 1,291 of 1,682
Equity / Assets
17.32%
Rank 371 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.49% | 0.35% | 0.74% | 1.18% | Beats 32% | 1,145 / 1,683 | |
| Return on Equity | 2.85% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,235 / 1,681 | |
| Net Interest Margin | 3.30% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,270 / 1,683 | |
| Efficiency Ratio | 87.62% | 68.91% | 78.20% | 86.93% | Beats 23% | 1,291 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.26% | 0.65% | 1.29% | Beats 92% | 142 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.32% | 10.44% | 12.89% | 16.53% | Beats 78% | 371 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.32% | 10.44% | 12.89% | 16.53% | Beats 78% | 371 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 69.27% | 52.61% | 69.38% | 83.50% | 50th pctl | 844 / 1,683 | |
| Loans / Assets | 57.04% | 44.71% | 59.18% | 70.72% | 46th pctl | 915 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |