State credit union · Spokane, Washington · NCUA charter #68284
Avista Corp.
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $71.3M
- Total assets
- 3,636
- Members
- 18.0%
- Net-worth ratio
Avista Corp. scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $71.3M; members 3,636; net-worth ratio 18.02%; health rank #732 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#732 of 4,374 health · 2025Q4Avista Corp. · health 92/100 · $71.3M · 2025Q4
Call Report peers
Avista Corp. in the assets neighbourhood
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Avista Corp. vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Avista Corp. sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Avista Corp. diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +9.59 pp (72.19% vs 62.60%).
- Largest lag: Return on Assets at 0.24% vs peer 0.66% (-0.41 pp).
Washington standing for Avista Corp.
- Washington health ordinal: #14 of 75.
- Washington assets place: #54 of 75.
- Member book place in Washington: #57 of 75.
- One place up in Washington, Spokane Teachers (#13) scores 93/100, 1 point higher; one place down, FIBRE (#15) ties at 92/100.
Quarter path for Avista Corp.
Avista Corp.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $71.3M (2025Q4) to $71.9M (2026Q1).
- Net-worth ratio shifted -0.05 pp (18.07% → 18.02%).
At 18.02%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Avista Corp. gives up 8 points in total. Member Growth costs the most, 4.5 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.2 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.02% | +4.40 pp |
| Delinquency Rate | 0.03% | -0.93 pp |
| Return on Assets | 0.24% | -0.41 pp |
| Member Growth | 1.28% | - |
| Loan-to-Share Ratio | 72.19% | +9.59 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Avista Corp.
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $71.9M | - |
| 2025Q4 | $71.3M | 3,636 |
| 2024Q4 | $66.9M | 3,590 |
| 2023Q4 | $65.8M | 3,598 |
Credit Union Details
- Charter Number
- 68284
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Spokane
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Avista Corp..
| Office | City |
|---|---|
| Avista Corp Credit Unions (Main Office) | Spokane, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Other-state peers near Avista Corp.
Using this data
- Avista Corp. ranks #732 of 4,374 nationally on financial health and #14 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SAFEWAY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SAFEWAY
Frequently Asked Questions
Is Avista Corp. financially healthy?
Avista Corp. has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #732 of 4,374 nationally on health and #14 of 75 in Washington. Its net worth ratio is 18.02% and its delinquency rate 0.03%.
How does Avista Corp. compare to other credit unions?
Avista Corp. scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (72.19% vs 62.60%). Its widest shortfall is return on assets (0.24% vs 0.66%).
How can I join Avista Corp.?
Membership eligibility for Avista Corp. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Avista Corp. directly for current membership requirements and application steps.
Is my money safe at Avista Corp.?
Avista Corp. is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Avista Corp.'s net worth ratio of 18.02% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.