Headquartered in Spokane Valley, Washington, Numerica Credit Union is a federally insured state-chartered credit union with $4.3B in total assets and $3.7B in member shares and deposits as of Q2 2026. It operates 18 offices across 2 states. Its charter dates back to 1937.
Numerica Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 454 credit unions with $1 billion – $10 billion. Among 73 credit unions headquartered in Washington, it ranks 26th. Problem-loan coverage contributes the most (95/100, 2.5%); earnings contributes the least (60/100, 1.00%).
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 7 points (67 → 74), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 71 |
| Q4 2024 | 71 |
| Q1 2025 | 67 |
| Q2 2025 | 67 |
| Q3 2025 | 70 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.56% |
| Q3 2024 | 11.64% |
| Q4 2024 | 11.79% |
| Q1 2025 | 11.62% |
| Q2 2025 | 11.89% |
| Q3 2025 | 11.75% |
| Q4 2025 | 11.83% |
| Q1 2026 | 11.73% |
| Q2 2026 | 12.03% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.41% |
| Q4 2024 | 0.53% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.56% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.34% |
| Q1 2026 | 0.42% |
| Q2 2026 | 0.35% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.88% |
| Q4 2024 | 0.81% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.71% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.00% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $4.3B | 12.03% | 0.35% | 1.00% | 96.0% |
| Q1 2026 | 73 | $4.3B | 11.73% | 0.42% | 1.00% | 93.2% |
| Q4 2025 | 72 | $4.2B | 11.83% | 0.34% | 0.71% | 94.6% |
| Q3 2025 | 70 | $4.2B | 11.75% | 0.41% | 0.58% | 94.4% |
| Q2 2025 | 67 | $4.1B | 11.89% | 0.56% | 0.60% | 95.4% |
| Q1 2025 | 67 | $4.1B | 11.62% | 0.53% | 0.64% | 92.2% |
| Q4 2024 | 71 | $4.0B | 11.79% | 0.53% | 0.81% | 93.5% |
| Q3 2024 | 71 | $4.0B | 11.64% | 0.41% | 0.88% | 97.0% |
| Q2 2024 | 73 | $4.0B | 11.56% | 0.21% | 0.90% | 98.9% |
454 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Peak Credit UnionCredit union Olympia, WA | 58 out of 100, Moderate | $4.2B | 11.3% | 1.22% | vs |
| Washington State Employees Credit UnionCredit union Olympia, WA | 59 out of 100, Moderate | $5.1B | 9.9% | 0.80% | vs |
| Sound Credit UnionCredit union Tacoma, WA | 63 out of 100, Moderate | $3.4B | 11.0% | 1.18% | vs |
| Whatcom Educational Credit UnionCredit union Bellingham, WA | 65 out of 100, Moderate | $3.4B | 11.2% | 0.69% | vs |
| Harborstone Credit UnionCredit union Tacoma, WA | 52 out of 100, Below average | $3.1B | 9.3% | 1.08% | vs |
| Hapo Community Credit UnionCredit union Richland, WA | 80 out of 100, Strong | $3.0B | 11.2% | 0.18% | vs |
Deposit insurance
Is my money safe at Numerica Credit Union?
Yes. Numerica Credit Union is a federally insured credit union (NCUA charter #66841). 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 16.8% of shares and deposits ($617.5M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 12.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
18 locations
Branches
Numerica Credit Union lists 18 offices in 10 cities across 2 states. Most locations:
- Spokane, WA (5)
- Spokane Valley, WA (4)
- Airway Heights, WA (1)
- Coeur d Alene, ID (1)
- Coeur D Alene, ID (1)
- East Wenatchee, WA (1)
- Hayden, ID (1)
- Kennewick, WA (1)
- Pasco, WA (1)
- Richland, WA (1)
- Wenatchee, WA (1)
HMDA 2025
Mortgage lending
In 2025, Numerica Credit Union reported 2,861 home-loan applications under HMDA (LEI 549300N52O6FKUCU5G62): 1,559 originated ($306,815,000 total), 1,023 denied, and 270 withdrawn or closed by the applicant. Its denial rate on decided applications was 39.5%, 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
- Numerica Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 66841
- RSSD ID
- 681191
- Primary regulator
- State + NCUA
- Established
- 1937
- Headquarters
- P O Box 4000, Spokane Valley, WA 99037
- Employees
- 644
Quick answers
Numerica Credit Union: common questions
Is Numerica Credit Union NCUA insured?
Yes. Numerica Credit Union is a federally insured credit union (NCUA charter #66841). 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 Numerica Credit Union's TellerScore?
74 out of 100 (Strong), 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 Numerica Credit Union have?
18 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Spokane Valley
| 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 |
| Slo Credit UnionCredit union San Luis Obispo, CA | 77 out of 100, Strong | $29.1M | 14.5% | 0.20% | vs |