SPOKANE CITY
Charter #68283 · Spokane, WA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,289 sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.09% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.06% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 67th — a 24-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 CITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $65.65M | 38th pct | 36th pct |
| Members | 4,289 | 34th pct | 25th pct |
| Net worth ratio | 10.55% | 26th pct | 44th pct |
| Return on average assets | 0.42% | 34th pct | 51th pct |
| Net interest margin | 3.71% | 51th pct | 34th pct |
| Cost of funds | 1.13% | 63th pct | 44th pct |
| Loan-to-share | 86.38% | 92th pct | 67th pct |
| Delinquency 60+ days | 0.09% | 10th pct | 0th pct |
| Net charge-off ratio | 0.06% | 26th pct | 15th pct |
| Loan growth YoY | -2.25% | 42th pct | 33th pct |
| Share growth YoY | 0.76% | 25th pct | 33th pct |
| Efficiency ratio | 90.65% | 82th pct | 67th pct |
structural peer set hash: 10587436ffc3edf80db2217e3e06d0c3… (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.