State credit union · Everett, Washington · NCUA charter #68622
SNOCOPE
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $86.3M
- Total assets
- 5,939
- Members
- 9.4%
- Net-worth ratio
SNOCOPE scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $86.3M; members 5,939; net-worth ratio 9.44%; health rank #3,360 of 4,374; healthier than 23rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,360 of 4,374 health · 2025Q4SNOCOPE · health 74/100 · $86.3M · 2025Q4
- BOOK 74/100
- CHARTER 9.4%
- NCUSIF 1.42%
- CAMELS 1.02%
- HEALTH $86.3M
- NW 5,939
- DELQ #3,360/4,374
- ROA New South Credit Union
- ASSETS 68622
Call Report peers
SNOCOPE in the assets neighbourhood
SNOCOPE's $86.3M assets sit next to New South Credit Union ($86.3M) 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.
SNOCOPE 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
74 23rd percentile higher than 23% 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
SNOCOPE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68622, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
SNOCOPE: Call Report deltas vs peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +0.44 pp (63.04% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -4.18 pp (9.44% 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.
Where SNOCOPE sits in Washington
- Health composite ranks #67 of 75 among scored Washington credit unions.
- Washington assets place: #48 of 75.
- Washington membership ordinal: #42 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.
SNOCOPE Call Report trajectory
SNOCOPE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $86.3M (2025Q4) to $89.0M (2026Q1).
- Net-worth ratio shifted -0.23 pp (9.67% → 9.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.44%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 74.
- Net Worth Ratio 28.6 pts
- Delinquency Rate 16.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.6 pts
SNOCOPE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.44% | -4.18 pp |
| Delinquency Rate | 1.42% | +0.46 pp |
| Return on Assets | 1.02% | +0.37 pp |
| Member Growth | -5.35% | - |
| Loan-to-Share Ratio | 63.04% | +0.44 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).
SNOCOPE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $89.0M | - |
| 2025Q4 | $86.3M | 5,939 |
| 2024Q4 | $81.7M | 6,275 |
| 2023Q4 | $80.8M | 6,488 |
Credit Union Details
- Charter Number
- 68622
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Everett
- Data Quarter
- 2025Q4
Branch Location
SNOCOPE operates a single office in Everett, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| SnoCope Credit Union (Main Office) | Everett, 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.
Other-state peers near SNOCOPE
SNOCOPE's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($86.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (74/100 here).
Using this data
- SNOCOPE ranks #3,360 of 4,374 nationally on financial health and #67 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spokane Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spokane Firefighters
- 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 SNOCOPE financially healthy?
Yes/no aside, the number is 74/100 (Very Good) - SNOCOPE's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,360 of 4,374; by total assets it ranks #1,956 of 4,374 nationally (same basis as /rankings/largest); and #48 of 75 within Washington. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.44% net worth ratio and 1.42% delinquency rate are the key drivers.
How does SNOCOPE compare to other credit unions?
On PlainCU's health composite, SNOCOPE lands at 74/100, 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 SNOCOPE?
Membership eligibility for SNOCOPE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SNOCOPE directly for current membership requirements and application steps.
Is my money safe at SNOCOPE?
Federal credit unions like SNOCOPE 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. SNOCOPE's net worth ratio of 9.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SNOCOPE offer compared to banks?
Credit unions like SNOCOPE 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 SNOCOPE 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.