State credit union · Seattle, Washington · NCUA charter #66349
SALAL
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $1.16B
- Total assets
- 62,355
- Members
- 9.0%
- Net-worth ratio
SALAL scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.16B; members 62,355; net-worth ratio 9.02%; health rank #1,865 of 4,374; healthier than 57th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,865 of 4,374 health · 2025Q4SALAL · health 86/100 · $1.16B · 2025Q4
- ROA 86/100
- ASSETS 9.0%
- MEM 0.83%
- RANK 0.13%
- PHOTO $1.16B
- BOOK 62,355
- CHARTER #1,865/4,374
- NCUSIF HONDA
- CAMELS 66349
Call Report peers
SALAL in the assets neighbourhood
SALAL's $1.16B assets sit next to HONDA ($1.17B) 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.
SALAL 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
86 Top 43% higher than 57% 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
SALAL - Share Insurance Coverage
Charter #66349's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
SALAL: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 94.54% vs peer 83.90% (+10.64 pp).
- Largest lag: Net Worth Ratio at 9.02% vs peer 11.18% (-2.16 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SALAL in Washington
- In Washington, health place is #38 of 75 on the same NCUA-ratio sort used nationally.
- Washington assets place: #17 of 75.
- Washington membership ordinal: #17 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.
SALAL Call Report trajectory
SALAL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $1.16B (2025Q4) to $1.16B (2026Q1).
- Net-worth ratio shifted +0.06 pp (8.96% → 9.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.02% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 21.7 pts
- Return on Assets 9.4 pts
- Member Growth 14.4 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.02% | -2.16 pp |
| Delinquency Rate | 0.83% | -0.05 pp |
| Return on Assets | 0.13% | -0.38 pp |
| Member Growth | 4.48% | - |
| Loan-to-Share Ratio | 94.54% | +10.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - SALAL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.16B | - |
| 2025Q4 | $1.16B | 62,355 |
| 2024Q4 | $1.18B | 59,679 |
| 2023Q4 | $1.22B | 58,704 |
Credit Union Details
- Charter Number
- 66349
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Seattle
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, SALAL runs 5 offices in 3 different cities.
| Office | City |
|---|---|
| Northgate Headquarters (Main Office) | Seattle, WA |
| Bellevue | Bellevue, WA |
| First Hill | Seattle, WA |
| Northgate | Seattle, WA |
| Tukwila | Tukwila, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Cross-state Call Report peers for SALAL
Two NCUA Call Report peer sets for SALAL, 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 ($1.16B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- SALAL ranks #1,865 of 4,374 nationally on financial health and #38 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Red Canoe is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Red Canoe
- 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 SALAL financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SALAL carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,865 of 4,374; by total assets it ranks #417 of 4,374 nationally (same basis as /rankings/largest); and #17 of 75 within Washington. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.02% net worth ratio and a 0.83% delinquency rate.
How does SALAL compare to other credit unions?
On PlainCU's health composite, SALAL lands at 86/100, compared to a peer group average for Over $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 SALAL?
Membership eligibility for SALAL depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SALAL directly for current membership requirements and application steps.
Is my money safe at SALAL?
Federal credit unions like SALAL 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. SALAL's net worth ratio of 9.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SALAL offer compared to banks?
Credit unions like SALAL 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 SALAL 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.