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
Call Report peers
Spokane City in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Spokane City sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in Washington, NUMERICA (#10) ties at 94/100; one place down, Red Canoe (#12) scores 93/100, 1 point lower.
Quarter path for Spokane City
Spokane City: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $63.2M (2025Q4) to $65.7M (2026Q1).
- Net-worth ratio shifted -0.30 pp (10.85% → 10.55%).
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
Spokane City gives up 6 points in total. Member Growth costs the most, 6.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Spokane City financially healthy?
Spokane City has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #533 of 4,374 nationally on health and #11 of 75 in Washington. Its net worth ratio is 10.55% and its delinquency rate 0.25%.
How does Spokane City compare to other credit unions?
Spokane City scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (89.86% vs 62.60%). Its widest shortfall is net worth ratio (10.55% vs 13.62%).
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?
Spokane City 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. Spokane City's net worth ratio of 10.55% 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.