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
Call Report peers
Spokane Teachers in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Spokane Teachers sits in 90-94 with 747 others.
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
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%).
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).
- One place up in Washington, Red Canoe (#12) ties at 93/100; one place down, Avista Corp. (#14) scores 92/100, 1 point lower.
How Spokane Teachers's 5300 filing moved
Spokane Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $6.32B (2025Q4) to $6.38B (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.14% → 10.17%).
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
Spokane Teachers gives up 7 points in total. Return on Assets costs the most, 4.1 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Spokane Teachers financially healthy?
Spokane Teachers has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #678 of 4,374 nationally on health and #13 of 75 in Washington. Its net worth ratio is 10.17% and its delinquency rate 0.46%.
How does Spokane Teachers compare to other credit unions?
Spokane Teachers scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (96.40% vs 83.90%). Its widest shortfall is net worth ratio (10.17% vs 11.18%).
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?
Spokane Teachers 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 Teachers's net worth ratio of 10.17% 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.