Federal credit union · CHENEY, Washington · NCUA charter #7101
CHENEY
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $148.3M
- Total assets
- 6,429
- Members
- 9.8%
- Net-worth ratio
CHENEY scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $148.3M; members 6,429; net-worth ratio 9.82%; health rank #1,503 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,503 of 4,374 health · 2025Q4CHENEY · health 88/100 · $148.3M · 2025Q4
- NCUSIF 88/100
- CAMELS 9.8%
- HEALTH 0.58%
- NW 0.28%
- DELQ $148.3M
- ROA 6,429
- ASSETS #1,503/4,374
- MEM Buckeye State
- RANK 7101
Call Report peers
CHENEY in the assets neighbourhood
CHENEY's $148.3M assets sit next to Buckeye State ($148.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHENEY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
CHENEY - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #7101, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
CHENEY: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.58% here, 0.89% peer average (-0.31 pp).
- Loan-to-Share Ratio trails the peer set - 59.31% here, 72.20% peer average (-12.89 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where CHENEY sits in Washington
- Washington health ordinal: #31 of 75.
- Washington assets place: #36 of 75.
- Member book place in Washington: #41 of 75.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for CHENEY
CHENEY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.3% from $148.3M (2025Q4) to $148.7M (2026Q1).
- Net-worth ratio shifted +0.13 pp (9.69% → 9.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.82% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 24.2 pts
- Return on Assets 11.7 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 12.7 pts
Call Report ratios for CHENEY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.82% | -2.29 pp |
| Delinquency Rate | 0.58% | -0.31 pp |
| Return on Assets | 0.28% | -0.34 pp |
| Member Growth | 0.70% | - |
| Loan-to-Share Ratio | 59.31% | -12.89 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - CHENEY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $148.7M | - |
| 2025Q4 | $148.3M | 6,429 |
| 2024Q4 | $140.9M | 6,384 |
| 2023Q4 | $151.2M | 6,352 |
Credit Union Details
- Charter Number
- 7101
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Washington
- City
- CHENEY
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for CHENEY, spread across 2 cities.
| Office | City |
|---|---|
| Head Office (Main Office) | Cheney, WA |
| Westbow Branch | Spokane, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near CHENEY
CHENEY's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($148.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- CHENEY ranks #1,503 of 4,374 nationally on financial health and #31 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WCLA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WCLA
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CHENEY financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - CHENEY's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,503 of 4,374; by total assets it ranks #1,494 of 4,374 nationally (same basis as /rankings/largest); and #36 of 75 within Washington. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.82% net worth ratio and 0.58% delinquency rate are the key drivers.
How does CHENEY compare to other credit unions?
On PlainCU's health composite, CHENEY lands at 88/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join CHENEY?
CHENEY 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 CHENEY directly for the exact boundaries and application steps.
Is my money safe at CHENEY?
Federal credit unions like CHENEY are 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. CHENEY's net worth ratio of 9.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does CHENEY offer compared to banks?
Credit unions like CHENEY are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact CHENEY directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.