Canopy Federal Credit Union is a federal credit union headquartered in Spokane, Washington, in business for about 70 years. At the end of Q2 2026 it reported $222.0M in total assets and $198.0M in member shares and deposits, with 2 offices.
Canopy Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 70th. Problem-loan coverage contributes the most (80/100, 10.2%); earnings contributes the least (13/100, -0.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (48 → 51), mostly because the loan quality component improved by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 46 |
| Q3 2024 | 49 |
| Q4 2024 | 50 |
| Q1 2025 | 55 |
| Q2 2025 | 48 |
| Q3 2025 | 46 |
| Q4 2025 | 48 |
| Q1 2026 | 46 |
| Q2 2026 | 51 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.31% |
| Q3 2024 | 8.44% |
| Q4 2024 | 8.49% |
| Q1 2025 | 8.55% |
| Q2 2025 | 8.48% |
| Q3 2025 | 8.88% |
| Q4 2025 | 8.73% |
| Q1 2026 | 8.96% |
| Q2 2026 | 9.01% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.18% |
| Q4 2024 | 1.18% |
| Q1 2025 | 0.89% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.15% |
| Q2 2026 | 0.86% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.33% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.14% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.10% |
| Q1 2026 | -0.53% |
| Q2 2026 | -0.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $222.0M | 9.01% | 0.86% | -0.18% | 92.0% |
| Q1 2026 | 46 | $222.2M | 8.96% | 1.15% | -0.53% | 90.7% |
| Q4 2025 | 48 | $231.4M | 8.73% | 1.36% | 0.10% | 88.1% |
| Q3 2025 | 46 | $229.4M | 8.88% | 1.62% | 0.17% | 91.2% |
| Q2 2025 | 48 | $238.6M | 8.48% | 1.30% | 0.14% | 90.5% |
| Q1 2025 | 55 | $238.0M | 8.55% | 0.89% | 0.47% | 90.5% |
| Q4 2024 | 50 | $236.4M | 8.49% | 1.18% | 0.38% | 96.5% |
| Q3 2024 | 49 | $234.9M | 8.44% | 1.18% | 0.33% | 97.5% |
| Q2 2024 | 46 | $234.3M | 8.31% | 1.23% | 0.18% | 100.8% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| People'S Community Federal Credit UnionCredit union Vancouver, WA | 71 out of 100, Strong | $269.1M | 15.5% | 2.32% | vs |
| Puget Sound CooperativeCredit union Bellevue, WA | 65 out of 100, Moderate | $273.8M | 11.2% | 0.57% | vs |
| Mountaincrest Credit UnionCredit union Arlington, WA | 67 out of 100, Moderate | $152.9M | 14.4% | 2.22% | vs |
| Cheney Federal Credit UnionCredit union Cheney, WA | 69 out of 100, Moderate | $147.9M | 10.0% | 0.55% | vs |
| Wcla Credit UnionCredit union Olympia, WA | 86 out of 100, Very strong | $141.9M | 17.5% | 0.29% | vs |
| Peninsula Community Federal Credit UnionCredit union Shelton, WA | 68 out of 100, Moderate | $304.2M | 11.7% | 1.06% | vs |
Deposit insurance
Is my money safe at Canopy Federal Credit Union?
Yes. Canopy Federal Credit Union is a federally insured credit union (NCUA charter #11162). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.6% of shares and deposits ($7.0M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.01%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Canopy Federal Credit Union lists 2 offices in 1 city. Most locations:
- Spokane, WA (2)
HMDA 2025
Mortgage lending
In 2025, Canopy Federal Credit Union reported 97 home-loan applications under HMDA (LEI 5493004KGZVI015KO609): 65 originated ($8,685,000 total), 8 denied, and 24 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Canopy Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 11162
- RSSD ID
- 605580
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- Po Box 2519, Spokane, WA 99220
- Employees
- 55
Quick answers
Canopy Federal Credit Union: common questions
Is Canopy Federal Credit Union NCUA insured?
Yes. Canopy Federal Credit Union is a federally insured credit union (NCUA charter #11162). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Canopy Federal Credit Union's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Canopy Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Spokane
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bay Shore Credit UnionCredit union Marinette, WI | 92 out of 100, Very strong | $48.2M | 18.6% | 0.27% | vs |
| Responders Emergency Services Credit UnionCredit union Spokane, WA | 87 out of 100, Very strong | $56.2M | 17.3% | 0.01% | vs |
| Spokane Firefighters Credit UnionCredit union Spokane, WA | 87 out of 100, Very strong | $86.4M | 14.5% | 0.15% | vs |
| Avista Corp. Credit UnionCredit union Spokane, WA | 86 out of 100, Very strong | $72.5M | 18.0% | 0.08% | vs |
| Delta Schools Federal Credit UnionCredit union Antioch, CA | 81 out of 100, Strong | $66.5M | 10.7% | 0.00% | vs |
| RiverBankBank Spokane, WA | 77 out of 100, Strong | $310.2M | 11.3% | 0.31% | vs |