State credit union · Spokane, Washington · NCUA charter #68283
Spokane City
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $63.2M
- Total assets
- 4,312
- Members
- 10.5%
- Net-worth ratio
Spokane City scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $63.2M; members 4,312; net-worth ratio 10.55%; health rank #533 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#533 of 4,374 health · 2025Q4Spokane City · health 94/100 · $63.2M · 2025Q4
- BOOK 94/100
- CHARTER 10.5%
- NCUSIF 0.25%
- CAMELS 0.81%
- HEALTH $63.2M
- NW 4,312
- DELQ #533/4,374
- ROA The Bridgeway
- ASSETS 68283
Call Report peers
Spokane City in the assets neighbourhood
Spokane City's $63.2M assets sit next to The Bridgeway ($63.2M) 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.
Spokane City 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
94 Top 13% higher than 87% 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
Spokane City - Share Insurance Coverage
Charter #68283'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.
Spokane City vs $50M–$100M peers
- Largest favorable gap: Loan-to-Share Ratio at 89.86% vs peer 62.60% (+27.26 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.07 pp (10.55% 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.
Spokane City in Washington
- In Washington, health place is #11 of 75 on the same NCUA-ratio sort used nationally.
- By total assets, Spokane City is #55 of 75 in Washington.
- Membership ranks #51 of 75 among Washington CUs with a reported count (4,312 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.
Quarter path for Spokane City
Spokane City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $63.2M (2025Q4) to $65.7M (2026Q1).
- Net-worth ratio shifted -0.30 pp (10.85% → 10.55%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.55%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 15.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.55% | -3.07 pp |
| Delinquency Rate | 0.25% | -0.72 pp |
| Return on Assets | 0.81% | +0.15 pp |
| Member Growth | -0.25% | - |
| Loan-to-Share Ratio | 89.86% | +27.26 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 - Spokane City
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $65.7M | - |
| 2025Q4 | $63.2M | 4,312 |
| 2024Q4 | $62.4M | 4,323 |
| 2023Q4 | $64.9M | 4,247 |
Credit Union Details
- Charter Number
- 68283
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Spokane
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Spokane City.
| Office | City |
|---|---|
| Spokane City Credit Union (Main Office) | Spokane, WA |
| Spokane City Credit Union Annex | Spokane, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Spokane City, 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 ($63.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Spokane City ranks #533 of 4,374 nationally on financial health and #11 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mill Town is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mill Town
- 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 Spokane City financially healthy?
A 10.55% net worth ratio and a 0.25% delinquency rate feed into Spokane City's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #533 of 4,374; by total assets it ranks #2,218 of 4,374 nationally (same basis as /rankings/largest); and #55 of 75 within Washington. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Spokane City compare to other credit unions?
Five weighted metrics from NCUA filings produce Spokane City's 94/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Spokane City?
Membership eligibility for Spokane City depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Spokane City directly for current membership requirements and application steps.
Is my money safe at Spokane City?
Federal credit unions like Spokane City 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. Spokane City's net worth ratio of 10.55% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Spokane City offer compared to banks?
Credit unions like Spokane City 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 Spokane City 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.