TellerScore

Headquartered in Spokane, Washington, Spokane City Credit Union is a federally insured state-chartered credit union with $65.9M in total assets and $58.4M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1934.

Spokane City Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 38% of its 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 37th. Problem-loan coverage contributes the most (98/100, 0.8%); earnings contributes the least (37/100, 0.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.62%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.11%
Earnings37/100
Return on assets (annualized): 0.43%
Funding & liquidity74/100
Loans ÷ shares: 85.8% · 3.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.80%

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).

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202466
Q4 202466
Q1 202569
Q2 202570
Q3 202569
Q4 202571
Q1 202669
Q2 202669
Net worth ratio
7.00%8.93%10.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.02%
Q3 202410.01%
Q4 202410.19%
Q1 20259.91%
Q2 202510.07%
Q3 202510.42%
Q4 202510.85%
Q1 202610.55%
Q2 202610.62%
Delinquent loans (60+ days)
0.09%0.34%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.19%
Q3 20240.47%
Q4 20240.60%
Q1 20250.20%
Q2 20250.19%
Q3 20250.35%
Q4 20250.25%
Q1 20260.09%
Q2 20260.11%
Return on assets
0.41%0.66%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.88%
Q4 20240.82%
Q1 20250.76%
Q2 20250.83%
Q3 20250.83%
Q4 20250.78%
Q1 20260.41%
Q2 20260.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$65.9M10.62%0.11%0.43%85.8%
Q1 202669$65.7M10.55%0.09%0.41%86.4%
Q4 202571$63.2M10.85%0.25%0.78%89.9%
Q3 202569$64.9M10.42%0.35%0.83%89.0%
Q2 202570$65.9M10.07%0.19%0.83%87.2%
Q1 202569$65.5M9.91%0.20%0.76%87.4%
Q4 202466$62.4M10.19%0.60%0.82%91.3%
Q3 202466$62.6M10.01%0.47%0.88%92.6%
Q2 202469$61.2M10.02%0.19%0.90%95.5%

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 ratio10.62%
21st
Problem loans0.11%
79th
Net charge-offs0.20%
47th
Return on assets0.43%
38th
Loans to deposits85.8%
13th
Uninsured deposits3.9%
29th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
69th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Mill Town Credit UnionCredit union Everett, WA65 out of 100, Moderate$59.9M22.5%2.18%vs
American Lake Credit UnionCredit union Lakewood, WA59 out of 100, Moderate$59.6M13.8%2.30%vs
Nordstrom Federal Credit UnionCredit union Everett, WA65 out of 100, Moderate$59.6M8.8%0.12%vs
Avista Corp. Credit UnionCredit union Spokane, WA86 out of 100, Very strong$72.5M18.0%0.08%vs
Olympia Credit UnionCredit union Olympia, WA59 out of 100, Moderate$56.3M8.2%0.39%vs
Tri-Cities Community Federal Credit UnionCredit union Kennewick, WA68 out of 100, Moderate$75.6M14.6%1.47%vs

Deposit insurance

Is my money safe at Spokane City Credit Union?

Yes. Spokane City Credit Union is a federally insured credit union (NCUA charter #68283). 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 ($2.3M) 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 10.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Spokane City Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Spokane City Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68283
RSSD ID
141396
Primary regulator
State + NCUA
Established
1934
Headquarters
PO Box 9639, Spokane, WA 99209
Employees
11

Quick answers

Spokane City Credit Union: common questions

Is Spokane City Credit Union NCUA insured?

Yes. Spokane City Credit Union is a federally insured credit union (NCUA charter #68283). 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 Spokane City 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 Spokane City Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Spokane

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
Responders Emergency Services Credit UnionCredit union Spokane, WA87 out of 100, Very strong$56.2M17.3%0.01%vs
Avista Corp. Credit UnionCredit union Spokane, WA86 out of 100, Very strong$72.5M18.0%0.08%vs
Delta Schools Federal Credit UnionCredit union Antioch, CA81 out of 100, Strong$66.5M10.7%0.00%vs
RiverBankBank Spokane, WA77 out of 100, Strong$310.2M11.3%0.31%vs