TellerScore

Cheney Federal Credit Union (NCUA charter #7101) is based in Cheney, Washington. Its Q2 2026 call report shows $147.9M in total assets and $131.8M in member shares and deposits and 1 office.

Cheney Federal Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 73 credit unions headquartered in Washington, it ranks 35th. Funding & liquidity contributes the most (100/100, 58% loans-to-deposits, 5% uninsured); earnings contributes the least (44/100, 0.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Net worth ratio: 10.01%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.55%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity100/100
Loans ÷ shares: 57.6% · 5.4% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.83%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (68 → 69).

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202465
Q1 202566
Q2 202568
Q3 202571
Q4 202568
Q1 202665
Q2 202669
Net worth ratio
7.00%8.50%10.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.25%
Q3 20249.61%
Q4 20249.52%
Q1 20259.42%
Q2 20259.73%
Q3 20259.87%
Q4 20259.69%
Q1 20269.82%
Q2 202610.01%
Delinquent loans (60+ days)
0.04%0.47%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.04%
Q3 20240.12%
Q4 20240.49%
Q1 20250.42%
Q2 20250.48%
Q3 20250.24%
Q4 20250.58%
Q1 20260.90%
Q2 20260.55%
Return on assets
0.30%0.47%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.32%
Q3 20240.34%
Q4 20240.30%
Q1 20250.31%
Q2 20250.50%
Q3 20250.58%
Q4 20250.65%
Q1 20260.64%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$147.9M10.01%0.55%0.60%57.6%
Q1 202665$148.7M9.82%0.90%0.64%57.8%
Q4 202568$148.3M9.69%0.58%0.65%59.3%
Q3 202571$142.1M9.87%0.24%0.58%60.0%
Q2 202568$141.5M9.73%0.48%0.50%60.0%
Q1 202566$143.5M9.42%0.42%0.31%58.0%
Q4 202465$140.9M9.52%0.49%0.30%59.2%
Q3 202469$138.9M9.61%0.12%0.34%60.6%
Q2 202469$142.9M9.25%0.04%0.32%59.6%

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).

Capital ratio10.01%
29th
Problem loans0.55%
60th
Net charge-offs0.07%
89th
Return on assets0.60%
39th
Loans to deposits57.6%
81st
Uninsured deposits5.4%
55th
Loan-loss reserves0.00%
50th
Texas ratio2.8%
64th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Mountaincrest Credit UnionCredit union Arlington, WA67 out of 100, Moderate$152.9M14.4%2.22%vs
Wcla Credit UnionCredit union Olympia, WA86 out of 100, Very strong$141.9M17.5%0.29%vs
Alaska Air Group Federal Credit UnionCredit union Seatac, WA89 out of 100, Very strong$135.9M14.6%0.30%vs
Tacoma Longshoremen Credit UnionCredit union Tacoma, WA84 out of 100, Strong$116.9M13.6%0.07%vs
White River Credit UnionCredit union Enumclaw, WA82 out of 100, Strong$114.2M17.3%1.01%vs
Canopy Federal Credit UnionCredit union Spokane, WA51 out of 100, Below average$222.0M9.0%0.86%vs

Deposit insurance

Is my money safe at Cheney Federal Credit Union?

Yes. Cheney Federal Credit Union is a federally insured credit union (NCUA charter #7101). 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 5.4% of shares and deposits ($7.1M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.01%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Cheney Federal Credit Union lists 1 office in 1 city. Most locations:

  • Cheney, WA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Cheney Federal Credit Union
Type
Federal credit union
NCUA charter #
7101
RSSD ID
595083
Primary regulator
NCUA
Established
1951
Headquarters
Po Box 160, Cheney, WA 99004
Employees
19

Quick answers

Cheney Federal Credit Union: common questions

Is Cheney Federal Credit Union NCUA insured?

Yes. Cheney Federal Credit Union is a federally insured credit union (NCUA charter #7101). 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 Cheney Federal Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Cheney Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheney

InstitutionScoreAssetsCapitalProblem loansCompare
Bay Shore Credit UnionCredit union Marinette, WI92 out of 100, Very strong$48.2M18.6%0.27%vs
Responders Emergency Services Credit UnionCredit union Spokane, WA87 out of 100, Very strong$56.2M17.3%0.01%vs
Spokane Firefighters Credit UnionCredit union Spokane, WA87 out of 100, Very strong$86.4M14.5%0.15%vs
Avista Corp. Credit UnionCredit union Spokane, WA86 out of 100, Very strong$72.5M18.0%0.08%vs
RiverBankBank Spokane, WA77 out of 100, Strong$310.2M11.3%0.31%vs
Horizon Credit UnionCredit union Spokane Valley, WA75 out of 100, Strong$2.0B13.1%0.27%vs