Spokane Teachers Credit Union
Total assets
$6.38B
▲ +7.6% YoY
Shares & deposits
$5.45B
▲ +11.8% YoY
Loans
$5.18B
▲ +4.6% YoY
Members
310,577
▲ +7.5% YoY
ROA (annualized)
0.47%
peers 0.71%
ROE (annualized)
4.57%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +5.1% | +2.5 pts |
| Share growth (YoY) | +11.8% | +4.9% | +6.9 pts |
| Loan growth (YoY) | +4.7% | +5.4% | -0.8 pts |
| ROA | 0.47% | 0.71% | -0.2 pts |
| ROE | 4.6% | 6.3% | -1.7 pts |
ROA ranks in the 27th percentile of its peer group · Q1 2026
Profile
- Established
- 1934
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 1620 N Signal Dr, Liberty Lake, WA, 99019
- NCUA charter #
- 68203
- RSSD ID
- 678892
- 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 | $6.38B | $5.45B | $5.18B | $648.5M | $7.4M | 0.47% | 3.46% | 0.88% | 310,577 |
| Q4 2025 | $6.32B | $5.35B | $5.16B | $641.1M | $24.9M | 0.39% | 3.17% | 0.46% | 307,622 |
| Q3 2025 | $6.39B | $5.42B | $5.14B | $635.5M | $17.8M | 0.37% | 3.05% | 0.42% | 306,153 |
| Q2 2025 | $6.34B | $5.35B | $5.12B | $626.2M | $8.6M | 0.27% | 2.96% | 0.41% | 305,208 |
| Q1 2025 | $5.92B | $4.87B | $4.95B | $623.0M | $5.4M | 0.36% | 3.07% | 0.32% | 288,963 |
| Q4 2024 | $5.85B | $4.82B | $4.89B | $627.3M | $14.5M | 0.25% | 3.10% | 0.40% | 286,244 |
| Q3 2024 | $5.87B | $4.75B | $4.88B | $634.0M | $19.8M | 0.45% | 3.12% | 0.63% | 284,132 |
| Q2 2024 | $5.88B | $4.71B | $4.88B | $624.7M | $10.6M | 0.36% | 3.10% | 0.32% | 281,862 |
Loan mix (Q1 2026): real estate $1.91B · commercial $1.08B · consumer $1.67B · securities $512.5M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.47% | 0.71% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 6.3% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.32% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.3% | 73.0% | 51th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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