TellerScore

Headquartered in Liberty Lake, Washington, Spokane Teachers Credit Union is a federally insured state-chartered credit union with $6.4B in total assets and $5.4B in member shares and deposits as of Q2 2026. It operates 34 offices across 3 states. Its charter dates back to 1934.

Spokane Teachers Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 454 credit unions with $1 billion – $10 billion. Among 73 credit unions headquartered in Washington, it ranks 63rd. Problem-loan coverage contributes the most (78/100, 11.0%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Net worth ratio: 10.38%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.39%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity64/100
Loans ÷ shares: 96.6% · 10.1% uninsured
Problem-loan coverage78/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 11.04%

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 fell 4 points (61 → 57), mostly because the loan quality component weakened by 32 points.

TellerScore
576164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202462
Q4 202463
Q1 202564
Q2 202561
Q3 202562
Q4 202563
Q1 202660
Q2 202657
Net worth ratio
7.00%8.89%10.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.63%
Q3 202410.79%
Q4 202410.72%
Q1 202510.52%
Q2 20259.88%
Q3 20259.94%
Q4 202510.14%
Q1 202610.17%
Q2 202610.38%
Delinquent loans (60+ days)
0.32%0.86%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.32%
Q3 20240.63%
Q4 20240.40%
Q1 20250.32%
Q2 20250.41%
Q3 20250.42%
Q4 20250.46%
Q1 20260.88%
Q2 20261.39%
Return on assets
0.25%0.46%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.45%
Q4 20240.25%
Q1 20250.36%
Q2 20250.27%
Q3 20250.37%
Q4 20250.39%
Q1 20260.47%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$6.4B10.38%1.39%0.67%96.6%
Q1 202660$6.4B10.17%0.88%0.47%95.2%
Q4 202563$6.3B10.14%0.46%0.39%96.4%
Q3 202562$6.4B9.94%0.42%0.37%94.8%
Q2 202561$6.3B9.88%0.41%0.27%95.7%
Q1 202564$5.9B10.52%0.32%0.36%101.7%
Q4 202463$5.9B10.72%0.40%0.25%101.6%
Q3 202462$5.9B10.79%0.63%0.45%102.7%
Q2 202464$5.9B10.63%0.32%0.36%103.6%

454 peers · $1 billion – $10 billion

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 ratio10.38%
37th
Problem loans1.39%
13th
Net charge-offs0.64%
35th
Return on assets0.67%
35th
Loans to deposits96.6%
22nd
Uninsured deposits10.1%
40th
Loan-loss reserves0.00%
50th
Texas ratio11.0%
13th

Similar-size credit unions in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Gesa Credit UnionCredit union Richland, WA59 out of 100, Moderate$6.8B9.3%0.84%vs
Washington State Employees Credit UnionCredit union Olympia, WA59 out of 100, Moderate$5.1B9.9%0.80%vs
Numerica Credit UnionCredit union Spokane Valley, WA74 out of 100, Strong$4.3B12.0%0.35%vs
Peak Credit UnionCredit union Olympia, WA58 out of 100, Moderate$4.2B11.3%1.22%vs
Sound Credit UnionCredit union Tacoma, WA63 out of 100, Moderate$3.4B11.0%1.18%vs
Whatcom Educational Credit UnionCredit union Bellingham, WA65 out of 100, Moderate$3.4B11.2%0.69%vs

Deposit insurance

Is my money safe at Spokane Teachers Credit Union?

Yes. Spokane Teachers Credit Union is a federally insured credit union (NCUA charter #68203). 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 10.1% of shares and deposits ($548.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.38%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

34 locations

Branches

Spokane Teachers Credit Union lists 34 offices in 25 cities across 3 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Spokane Teachers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68203
RSSD ID
678892
Primary regulator
State + NCUA
Established
1934
Headquarters
1620 N Signal Dr, Liberty Lake, WA 99019
Employees
1,036

Quick answers

Spokane Teachers Credit Union: common questions

Is Spokane Teachers Credit Union NCUA insured?

Yes. Spokane Teachers Credit Union is a federally insured credit union (NCUA charter #68203). 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 Teachers Credit Union's TellerScore?

57 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 Teachers Credit Union have?

34 offices as of the latest NCUA data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Liberty Lake

InstitutionScoreAssetsCapitalProblem loansCompare
Bay Shore Credit UnionCredit union Marinette, WI92 out of 100, Very strong$48.2M18.6%0.27%vs
Responders Emergency Services Credit UnionCredit union Spokane, WA87 out of 100, Very strong$56.2M17.3%0.01%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
Delta Schools Federal Credit UnionCredit union Antioch, CA81 out of 100, Strong$66.5M10.7%0.00%vs
Slo Credit UnionCredit union San Luis Obispo, CA77 out of 100, Strong$29.1M14.5%0.20%vs