TellerScore

Headquartered in Spokane, Washington, Spokane Firefighters Credit Union is a federally insured state-chartered credit union with $86.4M in total assets and $73.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1934.

Spokane Firefighters Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 83% of its 2,479 credit unions with under $100 million in assets. Among 73 credit unions headquartered in Washington, it ranks 5th. Problem-loan coverage contributes the most (99/100, 0.6%); earnings contributes the least (55/100, 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion95/100
Net worth ratio: 14.51%
Loan quality95/100
Loans 60+ days delinquent ÷ total loans: 0.15%
Earnings55/100
Return on assets (annualized): 0.86%
Funding & liquidity94/100
Loans ÷ shares: 66.7% · 5.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.59%

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
798387Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202482
Q3 202479
Q4 202483
Q1 202585
Q2 202587
Q3 202586
Q4 202584
Q1 202681
Q2 202687
Net worth ratio
7.00%10.88%14.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.23%
Q3 202413.94%
Q4 202414.56%
Q1 202514.42%
Q2 202514.75%
Q3 202514.62%
Q4 202514.43%
Q1 202614.11%
Q2 202614.51%
Delinquent loans (60+ days)
0.00%0.16%0.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.31%
Q4 20240.13%
Q1 20250.05%
Q2 20250.07%
Q3 20250.15%
Q4 20250.17%
Q1 20260.14%
Q2 20260.15%
Return on assets
0.16%0.51%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.16%
Q3 20240.23%
Q4 20240.34%
Q1 20250.45%
Q2 20250.65%
Q3 20250.73%
Q4 20250.64%
Q1 20260.22%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$86.4M14.51%0.15%0.86%66.7%
Q1 202681$86.5M14.11%0.14%0.22%66.3%
Q4 202584$84.2M14.43%0.17%0.64%69.7%
Q3 202586$82.6M14.62%0.15%0.73%68.9%
Q2 202587$80.5M14.75%0.07%0.65%67.2%
Q1 202585$81.2M14.42%0.05%0.45%65.1%
Q4 202483$79.8M14.56%0.13%0.34%67.8%
Q3 202479$82.4M13.94%0.31%0.23%67.4%
Q2 202482$80.2M14.23%0.00%0.16%67.5%

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 ratio14.51%
51st
Problem loans0.15%
77th
Net charge-offs0.05%
63rd
Return on assets0.86%
61st
Loans to deposits66.7%
38th
Uninsured deposits5.5%
19th
Loan-loss reserves0.00%
37th
Texas ratio0.6%
73rd

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Snocope Credit UnionCredit union Everett, WA62 out of 100, Moderate$88.7M9.6%0.93%vs
Primesource Credit UnionCredit union Spokane, WA46 out of 100, Below average$83.9M12.4%2.57%vs
Progressions Credit UnionCredit union Spokane, WA69 out of 100, Moderate$93.1M10.4%0.20%vs
Waterfront Federal Credit UnionCredit union Seattle, WA73 out of 100, Strong$93.2M13.5%0.94%vs
Westedge Federal Credit UnionCredit union Bellingham, WA81 out of 100, Strong$79.2M17.4%1.32%vs
Safeway Federal Credit UnionCredit union Spokane, WA63 out of 100, Moderate$77.0M20.0%2.35%vs

Deposit insurance

Is my money safe at Spokane Firefighters Credit Union?

Yes. Spokane Firefighters Credit Union is a federally insured credit union (NCUA charter #68205). 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 5.5% of shares and deposits ($4.0M) 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 14.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Spokane Firefighters Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Spokane Firefighters Credit Union reported 88 home-loan applications under HMDA (LEI 5493000OOREHUZON5E13): 60 originated ($12,550,000 total), 3 denied, and 25 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.8%, 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
Spokane Firefighters Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68205
RSSD ID
680699
Primary regulator
State + NCUA
Established
1934
Headquarters
2002 N Atlantic St, Spokane, WA 99205
Employees
11

Quick answers

Spokane Firefighters Credit Union: common questions

Is Spokane Firefighters Credit Union NCUA insured?

Yes. Spokane Firefighters Credit Union is a federally insured credit union (NCUA charter #68205). 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 Firefighters 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 Spokane Firefighters Credit Union have?

1 office 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
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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
Slo Credit UnionCredit union San Luis Obispo, CA77 out of 100, Strong$29.1M14.5%0.20%vs