Side-by-side · Q2 2026 data
Spokane Teachers Credit Union vs Gesa Credit Union
Credit union
Spokane Teachers Credit Union
Liberty Lake, Washington · $1 billion – $10 billion
Metric by metric
| Measure | Spokane Teachers Credit Union | Gesa Credit Union |
|---|---|---|
| TellerScore | 57 | 59 (stronger) |
| Capital cushion | 54 (stronger) | 43 |
| Loan quality | 54 | 72 (stronger) |
| Earnings | 47 | 48 (stronger) |
| Funding & liquidity | 64 | 65 (stronger) |
| Problem-loan coverage | 78 | 84 (stronger) |
| Peer percentile | 17th | 22nd |
| Total assets | $6.4B | $6.8B |
| Deposits / shares | $5.4B | $5.7B |
| Capital ratio | 10.38% (stronger) | 9.32% |
| Problem loans | 1.39% | 0.84% (stronger) |
| Net charge-offs | 0.64% | 0.59% (stronger) |
| Return on assets | 0.67% | 0.70% (stronger) |
| Loans ÷ deposits | 96.6% | 95.2% (stronger) |
| Uninsured deposits | 10.1% (stronger) | 10.7% |
| Offices | 34 | 31 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gesa Credit Union has the higher TellerScore (59 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Spokane Teachers Credit Union leads on 2 and Gesa Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.