State credit union · Spokane, Washington · NCUA charter #68205
Spokane Firefighters
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $84.2M
- Total assets
- 2,534
- Members
- 14.4%
- Net-worth ratio
Spokane Firefighters - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68205: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Spokane Firefighters - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)83
- Member growth76
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.43%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.43% | 30% |
| Delinquency Rate | 0.17% | 25% |
| Return on Assets | 0.33% | 15% |
| Member Growth | 2.05% | 15% |
| Loan-to-Share Ratio | 69.73% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $84.2M | 2,534 |
| 2024Q4 | $79.8M | 2,483 |
| 2023Q4 | $78.8M | 2,462 |
Credit Union Details
- Charter Number
- 68205
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Washington
- City
- Spokane
- Data Quarter
- 2025Q4
What This Data Says About Spokane Firefighters
2,534 members and $84.2M in total assets sit behind Spokane Firefighters, a state credit union in Spokane, Washington, which posts a health score of 94/100 (Excellent) on the five-factor composite, with $49.7M in outstanding loans as of Q4 2025 and a net worth ratio of 14.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #68205 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.17% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 69.73% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.33% on net income of $275K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.05%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Spokane Firefighters financially healthy?
Spokane Firefighters scores 94/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 14.43% net worth ratio and a 0.17% delinquency rate.
How does Spokane Firefighters compare to other credit unions?
Spokane Firefighters scores 94/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Spokane Firefighters?
Membership eligibility for Spokane Firefighters depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Spokane Firefighters directly for current membership requirements and application steps.
Is my money safe at Spokane Firefighters?
Federal credit unions like Spokane Firefighters 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 Firefighters's net worth ratio of 14.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Spokane Firefighters offer compared to banks?
Credit unions like Spokane Firefighters 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 Firefighters directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.