Side-by-side · Q1 2026 data
State Bank Northwest vs Spokane Firefighters Credit Union
Credit union
Spokane Firefighters Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | State Bank Northwest | Spokane Firefighters Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 87 |
| Capital cushion | 92 | 95 (stronger) |
| Loan quality | 98 (stronger) | 95 |
| Earnings | 100 (stronger) | 55 |
| Funding & liquidity | 58 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 96th | 83rd |
| Total assets | $223.0M | $86.4M |
| Deposits / shares | $185.4M | $73.2M |
| Capital ratio | 14.16% | 14.51% (stronger) |
| Problem loans | 0.05% (stronger) | 0.15% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 2.40% (stronger) | 0.86% |
| Loans ÷ deposits | 85.1% | 66.7% (stronger) |
| Uninsured deposits | 30.8% | 5.5% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
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 4 and Spokane Firefighters Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.