State credit union · Spokane, Washington · NCUA charter #67911
Primesource
Health score 61/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $89.7M
- Total assets
- 6,745
- Members
- 10.5%
- Net-worth ratio
Primesource - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67911 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Primesource - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)21
- Earnings (ROA)31
- Member growth52
- Liquidity (loan-to-share)91
Weighted composite: 61/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.47% | 30% |
| Delinquency Rate | 3.17% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | -0.69% | 15% |
| Loan-to-Share Ratio | 63.69% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $89.7M | 6,745 |
| 2024Q4 | $93.7M | 6,792 |
| 2023Q4 | $93.9M | 6,793 |
Credit Union Details
- Charter Number
- 67911
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Spokane
- Data Quarter
- 2025Q4
What This Data Says About Primesource
Headquartered in Spokane, Washington, Primesource is a state credit union with 6,745 members, $89.7M in total assets, and $49.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 61/100 (Good), driven in part by a net worth ratio of 10.47% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #67911 and reports within peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
On loan book quality: 3.17% of loans are 60+ days past due against the total loan book - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Meanwhile a 63.69% loan-to-share ratio shows how aggressively member deposits get deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.00% on net income of $3K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.69%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Primesource financially healthy?
Primesource scores 61/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.47% net worth ratio and a 3.17% delinquency rate.
How does Primesource compare to other credit unions?
On PlainCU's health composite, Primesource lands at 61/100, compared to a peer group average for $50M–$100M 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 Primesource?
Membership eligibility for Primesource depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Primesource directly for current membership requirements and application steps.
Is my money safe at Primesource?
Federal credit unions like Primesource 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. Primesource's net worth ratio of 10.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Primesource offer compared to banks?
Credit unions like Primesource 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 Primesource directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.