SPOKANE TEACHERS
Charter #68203 · LIBERTY LAKE, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 310,577 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.47% sits at the 20th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.88% sits at the 75th percentile of structural peers — worth a closer look.
- On Efficiency ratio, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 67th — a 15-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SPOKANE TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.38B | 87th pct | 82th pct |
| Members | 310,577 | 85th pct | 79th pct |
| Net worth ratio | 10.17% | 36th pct | 33th pct |
| Return on average assets | 0.47% | 26th pct | 20th pct |
| Net interest margin | 3.47% | 58th pct | 56th pct |
| Cost of funds | 2.39% | 83th pct | 70th pct |
| Loan-to-share | 95.18% | 80th pct | 74th pct |
| Delinquency 60+ days | 0.88% | 73th pct | 75th pct |
| Net charge-off ratio | 0.70% | 65th pct | 62th pct |
| Loan growth YoY | 0.78% | 36th pct | 38th pct |
| Share growth YoY | 0.40% | 7th pct | 5th pct |
| Efficiency ratio | 73.29% | 52th pct | 67th pct |
structural peer set hash: 066c6519b0d26c772bfc5ff9edf4a8d0… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.