TellerScore

Responders Emergency Services Credit Union is a federally insured state-chartered credit union headquartered in Spokane, Washington, in business for about 60 years. At the end of Q2 2026 it reported $56.2M in total assets and $46.3M in member shares and deposits, with 2 offices across 2 states.

Based on its Q2 2026 filing, Responders Emergency Services Credit Union scores 87/100, which we describe as very strong. That is higher than 83% of 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 6th. Its strongest component is capital cushion (100/100; 17.32%), and its lowest is earnings (40/100; 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.32%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.01%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity91/100
Loans ÷ shares: 69.3% · 7.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.03%

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 (87 → 87).

TellerScore
838688Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202486
Q4 202487
Q1 202583
Q2 202587
Q3 202588
Q4 202588
Q1 202685
Q2 202687
Net worth ratio
7.00%12.16%17.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.29%
Q3 202415.78%
Q4 202416.01%
Q1 202515.96%
Q2 202516.08%
Q3 202516.68%
Q4 202516.49%
Q1 202616.92%
Q2 202617.32%
Delinquent loans (60+ days)
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.04%
Q1 20250.00%
Q2 20250.01%
Q3 20250.00%
Q4 20250.02%
Q1 20260.00%
Q2 20260.01%
Return on assets
0.11%0.42%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.61%
Q4 20240.67%
Q1 20250.11%
Q2 20250.61%
Q3 20250.74%
Q4 20250.66%
Q1 20260.32%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$56.2M17.32%0.01%0.50%69.3%
Q1 202685$57.0M16.92%0.00%0.32%69.6%
Q4 202588$58.2M16.49%0.02%0.66%69.1%
Q3 202588$57.1M16.68%0.00%0.74%72.3%
Q2 202587$58.4M16.08%0.01%0.61%73.1%
Q1 202583$57.8M15.96%0.00%0.11%74.6%
Q4 202487$57.5M16.01%0.04%0.67%75.8%
Q3 202486$57.6M15.78%0.00%0.61%76.9%
Q2 202486$58.8M15.29%0.00%0.57%75.3%

2,479 peers · Under $100 million in assets

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 ratio17.32%
66th
Problem loans0.01%
87th
Net charge-offs-0.01%
87th
Return on assets0.50%
42nd
Loans to deposits69.3%
34th
Uninsured deposits7.1%
12th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
86th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Olympia Credit UnionCredit union Olympia, WA59 out of 100, Moderate$56.3M8.2%0.39%vs
Blue Mountain Credit UnionCredit union College Place, WA64 out of 100, Moderate$56.1M13.1%1.31%vs
Nordstrom Federal Credit UnionCredit union Everett, WA65 out of 100, Moderate$59.6M8.8%0.12%vs
American Lake Credit UnionCredit union Lakewood, WA59 out of 100, Moderate$59.6M13.8%2.30%vs
Mill Town Credit UnionCredit union Everett, WA65 out of 100, Moderate$59.9M22.5%2.18%vs
Spokane City Credit UnionCredit union Spokane, WA69 out of 100, Moderate$65.9M10.6%0.11%vs

Deposit insurance

Is my money safe at Responders Emergency Services Credit Union?

Yes. Responders Emergency Services Credit Union is a federally insured credit union (NCUA charter #68305). 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 7.1% of shares and deposits ($3.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.32%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Responders Emergency Services Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Responders Emergency Services Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68305
RSSD ID
94090
Primary regulator
State + NCUA
Established
1966
Headquarters
924 W Sinto Ave, Spokane, WA 99201
Employees
12

Quick answers

Responders Emergency Services Credit Union: common questions

Is Responders Emergency Services Credit Union NCUA insured?

Yes. Responders Emergency Services Credit Union is a federally insured credit union (NCUA charter #68305). 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 Responders Emergency Services Credit Union's TellerScore?

87 out of 100 (Very 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 Responders Emergency Services Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Bay Shore Credit UnionCredit union Marinette, WI92 out of 100, Very strong$48.2M18.6%0.27%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
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RiverBankBank Spokane, WA77 out of 100, Strong$310.2M11.3%0.31%vs
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