Federal credit union · Spokane, Washington · NCUA charter #8132
SAFEWAY
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $73.0M
- Total assets
- 4,293
- Members
- 20.7%
- Net-worth ratio
SAFEWAY scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.0M; members 4,293; net-worth ratio 20.69%; health rank #2,932 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,932 of 4,374 health · 2025Q4SAFEWAY · health 78/100 · $73.0M · 2025Q4
- MEM 78/100
- RANK 20.7%
- PHOTO 2.31%
- BOOK 0.58%
- CHARTER $73.0M
- NCUSIF 4,293
- CAMELS #2,932/4,374
- HEALTH Shell Western States
- NW 8132
Call Report peers
SAFEWAY in the assets neighbourhood
SAFEWAY's $73.0M assets sit next to Shell Western States ($73.0M) 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.
SAFEWAY 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
78 31st percentile higher than 31% 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
SAFEWAY - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8132 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
SAFEWAY vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +7.07 pp (20.69% vs 13.62%).
- Largest lag: Delinquency Rate at 2.31% vs peer 0.96% (+1.35 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SAFEWAY: in-state Call Report ranks
- Washington health ordinal: #55 of 75.
- By total assets, SAFEWAY is #53 of 75 in Washington.
- Membership ranks #52 of 75 among Washington CUs with a reported count (4,293 members).
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SAFEWAY: 2025Q4 → 2026Q1
SAFEWAY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $73.0M (2025Q4) to $74.6M (2026Q1).
- Net-worth ratio shifted -0.49 pp (21.18% → 20.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 20.69% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.6 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 14.8 pts
SAFEWAY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.69% | +7.07 pp |
| Delinquency Rate | 2.31% | +1.35 pp |
| Return on Assets | 0.58% | -0.07 pp |
| Member Growth | -0.76% | - |
| Loan-to-Share Ratio | 68.17% | +5.57 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - SAFEWAY
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $74.6M | - |
| 2025Q4 | $73.0M | 4,293 |
| 2024Q4 | $67.9M | 4,326 |
| 2023Q4 | $67.7M | 4,424 |
Credit Union Details
- Charter Number
- 8132
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Spokane
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, SAFEWAY runs one office.
| Office | City |
|---|---|
| Office (Main Office) | 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 SAFEWAY
Two NCUA Call Report peer sets for SAFEWAY, both outside Washington so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($73.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- SAFEWAY ranks #2,932 of 4,374 nationally on financial health and #55 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Avista Corp. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Avista Corp.
- 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 SAFEWAY financially healthy?
SAFEWAY scores 78/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,932 of 4,374; by total assets it ranks #2,100 of 4,374 nationally (same basis as /rankings/largest); and #53 of 75 within Washington. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 20.69% net worth ratio and a 2.31% delinquency rate.
How does SAFEWAY compare to other credit unions?
On PlainCU's health composite, SAFEWAY lands at 78/100, 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 SAFEWAY?
SAFEWAY 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 SAFEWAY directly for the exact boundaries and application steps.
Is my money safe at SAFEWAY?
Federal credit unions like SAFEWAY 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. SAFEWAY's net worth ratio of 20.69% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SAFEWAY offer compared to banks?
Credit unions like SAFEWAY 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 SAFEWAY 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.