Side-by-side · Q2 2026 data
Sound Credit Union vs Spokane Teachers Credit Union
Credit union
Spokane Teachers Credit Union
Liberty Lake, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Sound Credit Union | Spokane Teachers Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 57 |
| Capital cushion | 60 (stronger) | 54 |
| Loan quality | 61 (stronger) | 54 |
| Earnings | 58 (stronger) | 47 |
| Funding & liquidity | 67 (stronger) | 64 |
| Problem-loan coverage | 81 (stronger) | 78 |
| Peer percentile | 33rd | 17th |
| Total assets | $3.4B | $6.4B |
| Deposits / shares | $2.9B | $5.4B |
| Capital ratio | 11.01% (stronger) | 10.38% |
| Problem loans | 1.18% (stronger) | 1.39% |
| Net charge-offs | 0.90% | 0.64% (stronger) |
| Return on assets | 0.94% (stronger) | 0.67% |
| Loans ÷ deposits | 93.7% (stronger) | 96.6% |
| Uninsured deposits | 12.5% | 10.1% (stronger) |
| Offices | 21 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.8% | — |
Sound Credit Union has the higher TellerScore (63 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Sound Credit Union leads on 5 and Spokane Teachers Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.