Snocope Credit Union
Total assets
$89.0M
▲ +5.5% YoY
Shares & deposits
$80.5M
▲ +5.4% YoY
Loans
$49.3M
▼ -10.3% YoY
Members
5,882
▼ -5.1% YoY
ROA (annualized)
0.29%
peers 0.60%
ROE (annualized)
3.11%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | Snocope Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +1.3% | +4.2 pts |
| Share growth (YoY) | +5.5% | +0.7% | +4.8 pts |
| Loan growth (YoY) | -10.3% | -2.4% | -8.0 pts |
| ROA | 0.29% | 0.60% | -0.3 pts |
| ROE | 3.1% | 4.1% | -1.0 pts |
ROA ranks in the 35th percentile of its peer group · Q1 2026
Profile
- Established
- 1959
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- 3130 Rockefeller, Everett, WA, 98201
- NCUA charter #
- 68622
- RSSD ID
- 576185
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $89.0M | $80.5M | $49.3M | $8.4M | $65K | 0.29% | 3.84% | 1.05% | 5,882 |
| Q4 2025 | $86.3M | $78.4M | $49.4M | $8.3M | $385K | 0.45% | 4.07% | 1.42% | 5,939 |
| Q3 2025 | $85.4M | $77.0M | $51.3M | $8.4M | $417K | 0.65% | 4.12% | 1.11% | 6,003 |
| Q2 2025 | $83.9M | $75.6M | $53.2M | $8.3M | $350K | 0.83% | 4.20% | 1.03% | 6,109 |
| Q1 2025 | $84.4M | $76.4M | $55.0M | $8.1M | $176K | 0.83% | 4.17% | 1.22% | 6,199 |
| Q4 2024 | $81.7M | $74.2M | $56.5M | $8.0M | $883K | 1.08% | 4.42% | 1.02% | 6,275 |
| Q3 2024 | $80.0M | $72.6M | $53.3M | $7.7M | $651K | 1.09% | 4.48% | 0.94% | 6,358 |
| Q2 2024 | $79.3M | $72.0M | $53.7M | $7.4M | $314K | 0.79% | 4.44% | 0.84% | 6,424 |
Loan mix (Q1 2026): real estate $18.6M · commercial $0 · consumer $29.8M · securities $28.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Snocope Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 0.60% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.83% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 81.5% | 52th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Snocope Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Snocope Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Snocope Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Snocope Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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