SPOKANE FIREFIGHTERS
Charter #68205 · Spokane, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,553 sits at the 10th percentile of structural peers — worth a closer look.
- Net worth ratio of 14.11% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.22% sits at the 18th percentile of structural peers — worth a closer look.
- Efficiency ratio of 89.76% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 57th — a 21-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 FIREFIGHTERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $86.49M | 79th pct | 57th pct |
| Members | 2,553 | 5th pct | 10th pct |
| Net worth ratio | 14.11% | 64th pct | 80th pct |
| Return on average assets | 0.22% | 23th pct | 18th pct |
| Net interest margin | 3.12% | 21th pct | 26th pct |
| Cost of funds | 0.96% | 54th pct | 54th pct |
| Loan-to-share | 66.35% | 59th pct | 59th pct |
| Delinquency 60+ days | 0.14% | 16th pct | 26th pct |
| Net charge-off ratio | 0.09% | 31th pct | 46th pct |
| Loan growth YoY | 1.45% | 74th pct | 66th pct |
| Share growth YoY | 5.37% | 77th pct | 70th pct |
| Efficiency ratio | 89.76% | 79th pct | 80th pct |
structural peer set hash: d5f148a57f0c2aa9e368a86903ceb44a… (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.