Federal credit union · Spokane, Washington · NCUA charter #24451
Spokane Media
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $16.6M
- Total assets
- 1,165
- Members
- 9.7%
- Net-worth ratio
Spokane Media - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24451 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Spokane Media - 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)98
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth10
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
9.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.74% | 30% |
| Delinquency Rate | 0.21% | 25% |
| Return on Assets | 0.81% | 15% |
| Member Growth | -4.19% | 15% |
| Loan-to-Share Ratio | 75.56% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $16.6M | 1,165 |
| 2024Q4 | $17.1M | 1,216 |
| 2023Q4 | $16.5M | 1,188 |
Credit Union Details
- Charter Number
- 24451
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Washington
- City
- Spokane
- Data Quarter
- 2025Q4
What This Data Says About Spokane Media
Charter #24451, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Spokane Media, a federal credit union in Spokane, Washington with 1,165 members, $16.6M in total assets, and $11.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 86/100 (Excellent), helped by a net worth ratio of 9.74% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.21% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 75.56% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.81% on net income of $135K 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 -4.19%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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 Media financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Spokane Media carries a financial health score of 86/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.74% net worth ratio and a 0.21% delinquency rate.
How does Spokane Media compare to other credit unions?
86/100 is Spokane Media's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Media?
Spokane Media operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Spokane Media directly for the exact boundaries and application steps.
Is my money safe at Spokane Media?
Federal credit unions like Spokane Media 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 Media's net worth ratio of 9.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Spokane Media offer compared to banks?
Credit unions like Spokane Media 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 Media 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.