TellerScore

Headquartered in North Bend, Washington, Sno Falls Credit Union is a federally insured state-chartered credit union with $99.0M in total assets and $89.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1957.

Based on its Q2 2026 filing, Sno Falls Credit Union scores 52/100, which we describe as below average. That is higher than only 11% of 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 69th. Its strongest component is problem-loan coverage (85/100; 7.5%), and its lowest is earnings (22/100; 0.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion32/100
Net worth ratio: 8.24%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings22/100
Return on assets (annualized): 0.06%
Funding & liquidity80/100
Loans ÷ shares: 80.1% · 3.9% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.53%

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 9 points (43 → 52), mostly because the loan quality component improved by 44 points.

TellerScore
435260Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202445
Q4 202460
Q1 202559
Q2 202543
Q3 202544
Q4 202559
Q1 202655
Q2 202652
Net worth ratio
7.00%7.82%8.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.66%
Q3 20247.89%
Q4 20248.18%
Q1 20258.23%
Q2 20258.58%
Q3 20258.43%
Q4 20258.63%
Q1 20268.62%
Q2 20268.24%
Delinquent loans (60+ days)
0.12%1.15%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.04%
Q3 20241.42%
Q4 20240.12%
Q1 20250.45%
Q2 20252.19%
Q3 20251.95%
Q4 20250.71%
Q1 20260.85%
Q2 20260.86%
Return on assets
-0.42%0.04%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.42%
Q3 2024-0.16%
Q4 2024-0.01%
Q1 20250.29%
Q2 20250.37%
Q3 20250.32%
Q4 20250.50%
Q1 20260.19%
Q2 20260.06%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$99.0M8.24%0.86%0.06%80.1%
Q1 202655$101.2M8.62%0.85%0.19%79.8%
Q4 202559$98.9M8.63%0.71%0.50%78.0%
Q3 202544$100.2M8.43%1.95%0.32%77.8%
Q2 202543$95.6M8.58%2.19%0.37%79.5%
Q1 202559$98.4M8.23%0.45%0.29%75.1%
Q4 202460$98.1M8.18%0.12%-0.01%78.3%
Q3 202445$100.7M7.89%1.42%-0.16%77.3%
Q2 202445$104.2M7.66%1.04%-0.42%78.1%

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 ratio8.24%
5th
Problem loans0.86%
44th
Net charge-offs0.11%
56th
Return on assets0.06%
21st
Loans to deposits80.1%
19th
Uninsured deposits3.9%
29th
Loan-loss reserves0.00%
37th
Texas ratio7.5%
19th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Granco Federal Credit UnionCredit union Ephrata, WA59 out of 100, Moderate$99.0M11.9%2.28%vs
Lower Columbia Longshoremen Federal Credit UnionCredit union Longview, WA68 out of 100, Moderate$95.8M12.3%1.32%vs
Waterfront Federal Credit UnionCredit union Seattle, WA73 out of 100, Strong$93.2M13.5%0.94%vs
Progressions Credit UnionCredit union Spokane, WA69 out of 100, Moderate$93.1M10.4%0.20%vs
Snocope Credit UnionCredit union Everett, WA62 out of 100, Moderate$88.7M9.6%0.93%vs
Spokane Firefighters Credit UnionCredit union Spokane, WA87 out of 100, Very strong$86.4M14.5%0.15%vs

Deposit insurance

Is my money safe at Sno Falls Credit Union?

Yes. Sno Falls Credit Union is a federally insured credit union (NCUA charter #68293). 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 3.9% of shares and deposits ($3.5M) 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 8.24%, slightly 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

Sno Falls Credit Union lists 2 offices in 2 cities. Most locations:

  • North Bend, WA (1)
  • Snoqualmie, WA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Sno Falls Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68293
RSSD ID
71091
Primary regulator
State + NCUA
Established
1957
Headquarters
P.O. Box 2510, North Bend, WA 98045
Employees
21

Quick answers

Sno Falls Credit Union: common questions

Is Sno Falls Credit Union NCUA insured?

Yes. Sno Falls Credit Union is a federally insured credit union (NCUA charter #68293). 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 Sno Falls Credit Union's TellerScore?

52 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 Sno Falls Credit Union have?

2 offices as of the latest NCUA data.