Spark Federal Credit Union (NCUA charter #11949) is based in Tacoma, Washington. Its Q2 2026 call report shows $30.0M in total assets and $26.0M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Spark Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 38th. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is earnings (24/100; 0.11%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 69).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 69 |
| Q4 2024 | 66 |
| Q1 2025 | 68 |
| Q2 2025 | 70 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 71 |
| Q2 2026 | 69 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.26% |
| Q3 2024 | 12.71% |
| Q4 2024 | 12.36% |
| Q1 2025 | 12.72% |
| Q2 2025 | 12.90% |
| Q3 2025 | 12.82% |
| Q4 2025 | 12.91% |
| Q1 2026 | 12.76% |
| Q2 2026 | 12.70% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.37% |
| Q3 2024 | 0.36% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.43% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.50% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.40% |
| Q3 2024 | -0.27% |
| Q4 2024 | -0.37% |
| Q1 2025 | 0.13% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.51% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $30.0M | 12.70% | 0.35% | 0.11% | 91.1% |
| Q1 2026 | 71 | $30.0M | 12.76% | 0.64% | 0.56% | 92.4% |
| Q4 2025 | 71 | $29.4M | 12.91% | 0.50% | 0.51% | 95.8% |
| Q3 2025 | 71 | $29.4M | 12.82% | 0.56% | 0.57% | 97.1% |
| Q2 2025 | 70 | $28.6M | 12.90% | 0.43% | 0.32% | 99.8% |
| Q1 2025 | 68 | $28.7M | 12.72% | 0.47% | 0.13% | 95.2% |
| Q4 2024 | 66 | $29.5M | 12.36% | 0.49% | -0.37% | 80.5% |
| Q3 2024 | 69 | $29.0M | 12.71% | 0.36% | -0.27% | 78.3% |
| Q2 2024 | 69 | $27.9M | 13.26% | 0.37% | -0.40% | 79.7% |
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).
Similar-size credit unions in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mt. Rainier Credit UnionCredit union Puyallup, WA | 74 out of 100, Strong | $26.3M | 13.4% | 0.72% | vs |
| Mint Valley Federal Credit UnionCredit union Longview, WA | 87 out of 100, Very strong | $23.7M | 19.3% | 0.10% | vs |
| Express Credit UnionCredit union Seattle, WA | 53 out of 100, Below average | $22.6M | 13.0% | 1.95% | vs |
| Longshoremen'S Local 4 Federal Credit UnionCredit union Vancouver, WA | 94 out of 100, Very strong | $39.3M | 23.8% | 0.33% | vs |
| Community Healthcare Federal Credit UnionCredit union Everett, WA | 63 out of 100, Moderate | $20.5M | 12.6% | 1.42% | vs |
| Connection Credit UnionCredit union Silverdale, WA | 73 out of 100, Strong | $40.4M | 13.0% | 0.93% | vs |
Deposit insurance
Is my money safe at Spark Federal Credit Union?
Yes. Spark Federal Credit Union is a federally insured credit union (NCUA charter #11949). 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 6.2% of shares and deposits ($1.6M) 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 12.70%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Spark Federal Credit Union lists 1 office in 1 city. Most locations:
- Tacoma, WA (1)
Identity & history
Profile
- Legal name
- Spark Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 11949
- RSSD ID
- 247784
- Primary regulator
- NCUA
- Established
- 1957
- Headquarters
- 3049 S 36th St, Ste 103, Tacoma, WA 98409
- Employees
- 4
Quick answers
Spark Federal Credit Union: common questions
Is Spark Federal Credit Union NCUA insured?
Yes. Spark Federal Credit Union is a federally insured credit union (NCUA charter #11949). 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 Spark 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 Spark Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Tacoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| Tacoma Longshoremen Credit UnionCredit union Tacoma, WA | 84 out of 100, Strong | $116.9M | 13.6% | 0.07% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Sound Banking CompanyBank Lakewood, WA | 82 out of 100, Strong | $45.2M | 12.1% | 0.00% | vs |
| Our Community Credit UnionCredit union Shelton, WA | 82 out of 100, Strong | $638.3M | 12.7% | 0.48% | vs |