Side-by-side · Q1 2026 data
State Bank Northwest vs Responders Emergency Services Credit Union
Credit union
Responders Emergency Services Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | State Bank Northwest | Responders Emergency Services Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 87 |
| Capital cushion | 92 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 100 (stronger) | 40 |
| Funding & liquidity | 58 | 91 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 96th | 83rd |
| Total assets | $223.0M | $56.2M |
| Deposits / shares | $185.4M | $46.3M |
| Capital ratio | 14.16% | 17.32% (stronger) |
| Problem loans | 0.05% | 0.01% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 2.40% (stronger) | 0.50% |
| Loans ÷ deposits | 85.1% | 69.3% (stronger) |
| Uninsured deposits | 30.8% | 7.1% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank Northwest has the higher TellerScore (91 vs 87). On the 7 directional measures above (where higher or lower is clearly better), State Bank Northwest leads on 2 and Responders Emergency Services Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.