Federal credit union · SPOKANE, Washington · NCUA charter #11162
CANOPY
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $231.4M
- Total assets
- 13,348
- Members
- 9.0%
- Net-worth ratio
CANOPY scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $231.4M; members 13,348; net-worth ratio 8.96%; health rank #2,483 of 4,374; healthier than 43rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,483 of 4,374 health · 2025Q4CANOPY · health 82/100 · $231.4M · 2025Q4
Call Report peers
CANOPY in the assets neighbourhood
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CANOPY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CANOPY sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CANOPY
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +15.86 pp (88.06% vs 72.20%).
- Largest lag: Net Worth Ratio at 8.96% vs peer 12.11% (-3.15 pp).
CANOPY in Washington
- In Washington, health place is #46 of 75 on the same NCUA-ratio sort used nationally.
- Washington assets place: #34 of 75.
- Membership ranks #32 of 75 among Washington CUs with a reported count (13,348 members).
- One place up in Washington, O Bee (#45) scores 83/100, 1 point higher; one place down, White River (#47) scores 81/100, 1 point lower.
CANOPY Call Report trajectory
CANOPY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.0% from $231.4M (2025Q4) to $222.2M (2026Q1).
- Net-worth ratio shifted +0.23 pp (8.73% → 8.96%).
8.96% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
CANOPY gives up 18 points in total. Delinquency Rate costs the most, 7.7 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.4 pts
- Delinquency Rate 17.3 pts
- Return on Assets 13.3 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.9 pts
CANOPY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.96% | -3.15 pp |
| Delinquency Rate | 1.36% | +0.47 pp |
| Return on Assets | 0.39% | -0.24 pp |
| Member Growth | 0.06% | - |
| Loan-to-Share Ratio | 88.06% | +15.86 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - CANOPY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $222.2M | - |
| 2025Q4 | $231.4M | 13,348 |
| 2024Q4 | $236.4M | 13,340 |
| 2023Q4 | $240.5M | 13,617 |
Credit Union Details
- Charter Number
- 11162
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Washington
- City
- SPOKANE
- Data Quarter
- 2025Q4
Branch Locations (4)
CANOPY operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Canopy Credit Union (Main Office) | Spokane, WA |
| Canopy Credit Union | Spokane, WA |
| Canopy Credit Union | Spokane, WA |
| Canopy Credit Union | Spokane Valley, 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.
CANOPY nationwide neighbourhoods
Using this data
- CANOPY ranks #2,483 of 4,374 nationally on financial health and #46 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Great Northwest is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Great Northwest
Frequently Asked Questions
Is CANOPY financially healthy?
On its 2025Q4 NCUA 5300 filing, CANOPY scores 82/100 (Excellent), with a 8.96% net worth ratio and 1.36% of loans delinquent. It ranks #2,483 of 4,374 nationally on health and #46 of 75 in Washington.
How does CANOPY compare to other credit unions?
CANOPY scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (88.06% vs 72.20%). Its widest shortfall is net worth ratio (8.96% vs 12.11%).
How can I join CANOPY?
CANOPY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CANOPY directly for the exact boundaries and application steps.
Is my money safe at CANOPY?
CANOPY is a federal 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. CANOPY's net worth ratio of 8.96% 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.