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.
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NCUA 5300 Call Report Masthead
#3,360 of 4,374 health · 2025Q4SNOCOPE · health 74/100 · $86.3M · 2025Q4
Call Report peers
SNOCOPE in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SNOCOPE sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Washington, Community Healthcare (#66) ties at 74/100; one place down, OLYMPIA (#68) ties at 74/100.
SNOCOPE Call Report trajectory
SNOCOPE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $86.3M (2025Q4) to $89.0M (2026Q1).
- Net-worth ratio shifted -0.23 pp (9.67% → 9.44%).
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
SNOCOPE gives up 26 points in total. Member Growth costs the most, 15 of its 15; Return on Assets scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SNOCOPE financially healthy?
SNOCOPE has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,360 of 4,374 nationally on health and #67 of 75 in Washington. Its net worth ratio is 9.44% and its delinquency rate 1.42%.
How does SNOCOPE compare to other credit unions?
SNOCOPE scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (63.04% vs 62.60%). Its widest shortfall is net worth ratio (9.44% vs 13.62%).
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?
SNOCOPE is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.