State credit union · North Bend, Washington · NCUA charter #68293
Sno Falls
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $98.9M
- Total assets
- 5,159
- Members
- 8.6%
- Net-worth ratio
Sno Falls - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68293. See our deposit-insurance coverage note.
Sno Falls - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)88
- Asset quality (delinquency)92
- Earnings (ROA)29
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.57% | 30% |
| Delinquency Rate | 0.71% | 25% |
| Return on Assets | -0.01% | 15% |
| Member Growth | -6.44% | 15% |
| Loan-to-Share Ratio | 77.96% | 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 | $98.9M | 5,159 |
| 2024Q4 | $98.1M | 5,514 |
| 2023Q4 | $104.6M | 5,993 |
Credit Union Details
- Charter Number
- 68293
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Washington
- City
- North Bend
- Data Quarter
- 2025Q4
What This Data Says About Sno Falls
Sno Falls is a state credit union headquartered in North Bend, Washington, serving 5,159 members with $98.9M in total assets and $69.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 69/100 (Good), anchored by a net worth ratio of 8.57% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #68293 operates under peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.71% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 77.96% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.01% on net income of $-9879 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 -6.44%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
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 Sno Falls financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Sno Falls carries a financial health score of 69/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.57% net worth ratio and a 0.71% delinquency rate.
How does Sno Falls compare to other credit unions?
On PlainCU's health composite, Sno Falls lands at 69/100, 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 Sno Falls?
Membership eligibility for Sno Falls depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Sno Falls directly for current membership requirements and application steps.
Is my money safe at Sno Falls?
Federal credit unions like Sno Falls 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. Sno Falls's net worth ratio of 8.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Sno Falls offer compared to banks?
Credit unions like Sno Falls 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 Sno Falls 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.