State credit union · North Bend, Washington · NCUA charter #68293
Sno Falls
Health score 69/100, grade C (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 scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $98.9M; members 5,159; net-worth ratio 8.62%; health rank #3,672 of 4,374; healthier than 16th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,672 of 4,374 health · 2025Q4Sno Falls · health 69/100 · $98.9M · 2025Q4
- ASSETS 69/100
- MEM 8.6%
- RANK 0.71%
- PHOTO -0.01%
- BOOK $98.9M
- CHARTER 5,159
- NCUSIF #3,672/4,374
- CAMELS South Carolina National Guard
- HEALTH 68293
Call Report peers
Sno Falls in the assets neighbourhood
Sno Falls's $98.9M assets sit next to South Carolina National Guard ($98.9M) 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.
Sno Falls 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
69 16th percentile higher than 16% 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
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: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 77.96% here, 62.60% peer average (+15.36 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.00 pp (8.62% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Washington standing for Sno Falls
- Washington health ordinal: #72 of 75.
- Assets rank #42 of 75 inside Washington ($98.9M reported).
- Membership ranks #45 of 75 among Washington CUs with a reported count (5,159 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.
Sno Falls Call Report trajectory
Sno Falls: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $98.9M (2025Q4) to $101.2M (2026Q1).
- Net-worth ratio shifted -0.01 pp (8.63% → 8.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 26.6 pts
- Delinquency Rate 22.9 pts
- Return on Assets 4.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.1 pts
Sno Falls health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.62% | -5.00 pp |
| Delinquency Rate | 0.71% | -0.25 pp |
| Return on Assets | -0.01% | -0.67 pp |
| Member Growth | -6.44% | - |
| Loan-to-Share Ratio | 77.96% | +15.36 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 - Sno Falls
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $101.2M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Sno Falls, spread across 2 cities.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | North Bend, WA |
| North Bend Branch | North Bend, WA |
| Snoqualmie Ridge Branch | Snoqualmie, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
More federally-insured credit unions based in Washington, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Sno Falls - kept outside Washington; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($98.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Sno Falls ranks #3,672 of 4,374 nationally on financial health and #72 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GRANCO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GRANCO
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #3,672 of 4,374; by total assets it ranks #1,828 of 4,374 nationally (same basis as /rankings/largest); and #42 of 75 within Washington. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.62% 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 8.62% 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.
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.