Side-by-side · Q2 2026 data
Waterfront Federal Credit Union vs Spokane Firefighters Credit Union
Credit union
Spokane Firefighters Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | Waterfront Federal Credit Union | Spokane Firefighters Credit Union |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 85 | 95 (stronger) |
| Loan quality | 69 | 95 (stronger) |
| Earnings | 33 | 55 (stronger) |
| Funding & liquidity | 98 (stronger) | 94 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 47th | 83rd |
| Total assets | $93.2M | $86.4M |
| Deposits / shares | $81.7M | $73.2M |
| Capital ratio | 13.49% | 14.51% (stronger) |
| Problem loans | 0.94% | 0.15% (stronger) |
| Net charge-offs | 0.53% | 0.05% (stronger) |
| Return on assets | 0.33% | 0.86% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 66.7% |
| Uninsured deposits | 6.5% | 5.5% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Spokane Firefighters Credit Union has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Waterfront Federal Credit Union leads on 1 and Spokane Firefighters Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.