State credit union · LIBERTY LAKE, Washington · NCUA charter #68203
Spokane Teachers
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $6.32B
- Total assets
- 307,622
- Members
- 10.2%
- Net-worth ratio
Spokane Teachers scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.32B; members 307,622; net-worth ratio 10.17%; health rank #678 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#678 of 4,374 health · 2025Q4Spokane Teachers · health 93/100 · $6.32B · 2025Q4
- CAMELS 93/100
- HEALTH 10.2%
- NW 0.46%
- DELQ 0.23%
- ROA $6.32B
- ASSETS 307,622
- MEM #678/4,374
- RANK BAXTER
- PHOTO 68203
Call Report peers
Spokane Teachers in the assets neighbourhood
Spokane Teachers's $6.32B assets sit next to BAXTER ($6.34B) 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 Teachers 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
93 Top 16% higher than 84% 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 Teachers - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68203 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Spokane Teachers diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 96.40% here, 83.90% peer average (+12.50 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.01 pp (10.17% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Spokane Teachers sits in Washington
- In Washington, health place is #13 of 75 on the same NCUA-ratio sort used nationally.
- By total assets, Spokane Teachers is #3 of 75 in Washington.
- Membership ranks #4 of 75 among Washington CUs with a reported count (307,622 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.
How Spokane Teachers's 5300 filing moved
Spokane Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $6.32B (2025Q4) to $6.38B (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.14% → 10.17%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.17% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.9 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.1 pts
Spokane Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.17% | -1.01 pp |
| Delinquency Rate | 0.46% | -0.41 pp |
| Return on Assets | 0.23% | -0.28 pp |
| Member Growth | 7.47% | - |
| Loan-to-Share Ratio | 96.40% | +12.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Spokane Teachers
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.38B | - |
| 2025Q4 | $6.32B | 307,622 |
| 2024Q4 | $5.85B | 286,244 |
| 2023Q4 | $5.79B | 275,544 |
Credit Union Details
- Charter Number
- 68203
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- LIBERTY LAKE
- Data Quarter
- 2025Q4
Branch Locations (55)
Per its most recent NCUA branch filing, Spokane Teachers runs 55 offices in 39 different cities across 3 states.
| Office | City |
|---|---|
| Spokane Teachers Credit Union - Headquarters (Main Office) | Liberty Lake, WA |
| Spokane Teachers Credit Union - Airway Heights Branch | Airway Heights, WA |
| Spokane Teachers Credit Union - Baker City Branch | Baker City, OR |
| Spokane Teachers Credit Union - Brewster Branch | Brewster, WA |
| Spokane Teachers Credit Union - Cheney Branch | Cheney, WA |
| Spokane Teachers Credit Union - Chewelah Branch | Chewelah, WA |
| Spokane Teachers Credit Union - Clarkston Branch | Clarkston, WA |
| Spokane Teachers Credit Union - Crossroads Branch | Coeur d Alene, ID |
| Spokane Teachers Credit Union - Downtown Coeur d'Alene Branch | Coeur D Alene, ID |
| Spokane Teachers Credit Union - College Place Branch | College Place, WA |
| Spokane Teachers Credit Union - Colville Branch | Colville, WA |
| Spokane Teachers Credit Union - Coulee City Branch | Coulee City, WA |
| Spokane Teachers Credit Union - Coulee Dam Branch | Coulee Dam, WA |
| Spokane Teachers Credit Union - Creston Branch | Creston, WA |
| Spokane Teachers Credit Union - Silver Lake Branch | Dalton Gardens, ID |
| Spokane Teachers Credit Union - Elgin Branch | Elgin, OR |
| Spokane Teachers Credit Union - Enterprise Branch | Enterprise, OR |
| Spokane Teachers Credit Union - Hayden Branch | Hayden, ID |
| Spokane Teachers Credit Union - Hermiston Branch | Hermiston, OR |
| Spokane Teachers Credit Union - Joseph Branch | Joseph, OR |
| Spokane Teachers Credit Union - Southridge Branch and Home Loan Center | Kennewick, WA |
| Spokane Teachers Credit Union - Tri-Cities Commercial Banking Center | Kennewick, WA |
| Spokane Teachers Credit Union - Kettle Falls Branch | Kettle Falls, WA |
| Spokane Teachers Credit Union - La Grande Branch | La Grande, OR |
| Spokane Teachers Credit Union - Liberty Lake Branch | Liberty Lake, WA |
| Spokane Teachers Credit Union - Medical Lake Branch | Medical Lake, WA |
| Spokane Teachers Credit Union - Penn Plaza Branch | Moses Lake, WA |
| Spokane Teachers Credit Union - Newport Branch | Newport, WA |
| Spokane Teachers Credit Union - Omak Branch | Omak, WA |
| Spokane Teachers Credit Union - Othello Branch | Othello, WA |
| Spokane Teachers Credit Union - Othello Drive-Through | Othello, WA |
| Spokane Teachers Credit Union - Pasco Branch | Pasco, WA |
| Spokane Teachers Credit Union - Pendleton Branch | Pendleton, OR |
| Spokane Teachers Credit Union - Bonner County Branch | Ponderay, ID |
| Spokane Teachers Credit Union - Post Falls Branch | Post Falls, ID |
| Spokane Teachers Credit Union - Rathdrum Branch | Rathdrum, ID |
| Spokane Teachers Credit Union - Republic Branch | Republic, WA |
| Spokane Teachers Credit Union - Queensgate Branch | Richland, WA |
| Spokane Teachers Credit Union - Columbia Center Branch | Richland, WA |
| Spokane Teachers Credit Union - Ritzville Branch | Ritzville, WA |
| Spokane Teachers Credit Union - Main Branch | Spokane, WA |
| Spokane Teachers Credit Union - North Spokane Branch | Spokane, WA |
| Spokane Teachers Credit Union - South Spokane Branch | Spokane, WA |
| Spokane Teachers Credit Union - Downtown Spokane Branch | Spokane, WA |
| Spokane Teachers Credit Union - Indian Trail Branch | Spokane, WA |
| Spokane Teachers Credit Union - Northtown Square Branch | Spokane, WA |
| Spokane Teachers Credit Union - Moran Prairie Branch | Spokane, WA |
| Spokane Teachers Credit Union - Hutton Branch | Spokane, WA |
| Spokane Teachers Credit Union - Qualchan Branch | Spokane, WA |
| Spokane Teachers Credit Union - Mt. Spokane Branch | Spokane, WA |
| Spokane Teachers Credit Union - Spokane Valley Branch | Spokane Valley, WA |
| Spokane Teachers Credit Union - South Valley Branch | Spokane Valley, WA |
| Spokane Teachers Credit Union - Argonne Home Loan Center | Spokane Valley, WA |
| Spokane Teachers Credit Union - Argonne Branch | Spokane Valley, WA |
| Spokane Teachers Credit Union - Walla Walla Branch | Walla Walla, 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.
Spokane Teachers nationwide neighbourhoods
Spokane Teachers's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($6.32B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Spokane Teachers ranks #678 of 4,374 nationally on financial health and #13 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GESA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GESA
- 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 Teachers financially healthy?
A 10.17% net worth ratio and a 0.46% delinquency rate feed into Spokane Teachers's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #678 of 4,374; by total assets it ranks #62 of 4,374 nationally (same basis as /rankings/largest); and #3 of 75 within Washington. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Spokane Teachers compare to other credit unions?
PlainCU's health composite puts Spokane Teachers at 93/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Teachers?
Membership eligibility for Spokane Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Spokane Teachers directly for current membership requirements and application steps.
Is my money safe at Spokane Teachers?
Federal credit unions like Spokane Teachers 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 Teachers's net worth ratio of 10.17% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Spokane Teachers offer compared to banks?
Credit unions like Spokane Teachers 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 Teachers 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.