# SPOKANE MEDIA
Spokane, WA · NCUA charter 24451 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/spokane-media-24451

Who the members are: federal charter, multiple common bond, organized 1938, low-income designated. 1,169 members of 5,798 potential (20.2% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *too clean*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $17.7M |
| Members | 1,169 (-4.6% YoY) |
| Full-time staff | 6 |
| Net worth | $1.6M |
| Net worth ratio | 9.1% (p11 of band) |
| ROA (annualized) | -0.10% (p21 of band) |
| Total delinquency | 0.18% (p30 of band) |
| Net charge-offs (annualized) | -0.01% (p20 of band) |
| Loans / shares | 65% (p61 of band) |
| Cash / assets | 36.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.14% (p61 of band) |
| Operating expense / assets | 4.74% (p74 of band) |
| Vehicles % of loans | 38% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.49% (p51 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.02% (p92 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 15% |
| Average share balance | $6,040 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $15,011 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, expense trap, repo signal |  |
| 2016-06 | 2 |  | expense trap |
| 2016-09 | 1 |  | repo signal |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | delinquency rising | members leaving |
| 2017-12 | 3 | assets shrinking |  |
| 2018-03 | 2 |  | assets shrinking |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 2 | assets shrinking |  |
| 2018-12 | 1 |  | assets shrinking |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 2 | net worth falling | delinquency rising |
| 2019-09 | 3 | repo signal |  |
| 2019-12 | 2 | delinquency rising | net worth falling, repo signal |
| 2020-03 | 1 |  | delinquency rising |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 3 | margin squeeze, loan book shrinking |  |
| 2021-06 | 2 |  | loan book shrinking |
| 2021-09 | 2 |  |  |
| 2021-12 | 5 | capital below 7%, net worth falling |  |
| 2022-03 | 4 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising | capital below 7%, net worth falling |
| 2022-09 | 4 | capital below 7% |  |
| 2022-12 | 2 |  | capital below 7% |
| 2023-03 | 2 | assets shrinking | delinquency rising |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | delinquency rising | assets shrinking |
| 2024-06 | 3 | net worth falling |  |
| 2024-09 | 1 |  | thin capital, net worth falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | thin capital, losing money |  |
| 2025-06 | 3 | charge-offs p90, assets shrinking | thin capital, losing money |
| 2025-09 | 2 | members leaving | delinquency rising, assets shrinking |
| 2025-12 | 2 | assets shrinking | charge-offs p90 |
| 2026-03 | 2 | losing money | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-11-06 [Small credit unions double down on accessibility, empathy - Spokane Journal of Business](https://news.google.com/rss/articles/CBMipgFBVV95cUxQNS1Td1FHazZfUmprNzJzZDlnQWpibWtzZEFuUmlnOS02NU9CVlJEQjB4bUg0aEZrQmxUT0dIa0tHWkdycnBTVDVwOVI4VzUzMU9YR3dYUDRZd3k1eVBQOHBJZTVpV1RPODFqaXZIc3QxVFpRRFNfdlVBUnRjREIyX1ktTDVpd0FzLTVxU1BmcmJDTm9pRGl2US16V19NbVpEeWtabWt3?oc=5) · Spokane Journal of Business
- 2025-08-27 [Small local credit unions engage in collaborative competition for the good of Spokane's financial ecosystem - inlander.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxPaUYycmdsS3lZekI1SnFFU1hLUkdudFZMVVBqeFlHSXNtT1RCZVZvU0xjc3pJSlJXcFVvN2tFVUNOdVZ4bFFJdnhUM3dTMmdlZk1tTWxRYnF4dFlpOTRleEFyOW5kVWp4bWgwY3RldnRQWExnckxDdDVhWnNsQnREWjVqdVVVdmw2WlNtUHEycUFKa21XNmhXX3FXRnFHcHJtNURYZkM5SlprMVExUVdRREpsUmptTmJRYllsTldMUUlVZEhLX1FPN09SaDAzaVVpMmpHT2FjYUp1cmUtTDVZSk1oamM2TmVOS3NHODFMYzYxYUhFQTdCT1VZYXJjZVdUUldfYkhVdElxOExiMXc2aHJub1I?oc=5) · inlander.com
- 2021-08-17 [Crosswalk Youth Shelter plans big move out of downtown Spokane - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxQOGh4dng3MXAxVXpUcHFhQkRsOHBpd3Riel9XLVBmQkc1RVJwV0tTOUhXMnBKZmxBaVBIQVh2TV9Cc3RnSzl6LUlscGhRdUVNZEg3SnYxdVpSbDB4em43YUxPX1VhRXU5SnNXRkl6dmhRejJBcXk0LUtRWWVjWWd2c1dsMGZibXhicUhBLVJ1YmN3RUFmbklaUGVCd2F6QQ?oc=5) · The Spokesman-Review
- 2025-09-25 [Parting Thoughts with Greg Hansen, Numerica Credit Union chief credit officer - Spokane Journal of Business](https://news.google.com/rss/articles/CBMivwFBVV95cUxOLVVoTElpU1hKd2RBbjRwQmY1TmpCUXhqa1ZZU3JldlJmbjNydTV5V2FPUEppVU1xY0J0Z0JwTUtackRMOE5zdWwzZEpEbDZvZGZUYUN3RURLQ2hsN0hqbGF1b1hQQTdfOVBOZHd3eXJMSEtMUmwtYTZOTnNObkpmUEhhVGF3cThtUUJKNXk5bTVaTDhZNHNZSkdyUFNKS3FUc2hkTWxNaWZtQy1mWFBJNUt6NGFpU2x0ZjlIRW4zUQ?oc=5) · Spokane Journal of Business
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2020-12-03 [Somebody needs you - The Spokesman-Review](https://news.google.com/rss/articles/CBMic0FVX3lxTE12bzBVb21ZOThfRGtxS2J1aG9TeUVSOHFVTHVBYUwzLWdxOUpMemJnaXFkaU5LemIzdXJuVTR0U3dzcUNxRTd1M0MwYUtnTnZ0TzFFaExRcUs3dGZDMFZ3ZlFqeWdOZEVMbXN1STlhR0tvbDQ?oc=5) · The Spokesman-Review
- 2023-01-19 [Parting Thoughts with Numerica Credit Union's Lynn Ciani - Spokane Journal of Business](https://news.google.com/rss/articles/CBMiogFBVV95cUxPQThyS1owR0RzNzFGaFJCRFhhWWtPSDBXb2dDMGZ6WG5ITWtGSmk0RzFQTUpZQ3p4ekVWS3BmanNtTlFfdkVYSnhVMWFLMXZucEJmM3RwaFE5aXJHWGpmaDF2NjRwUTNYYzFQbXRQaFZ1Vy1DLTZMY3RVWWdWeXhwQVhSTWMwVE53UHZsYjc2bDg5TXdnYVluOHpmTFdrX3JqcGc?oc=5) · Spokane Journal of Business
- 2016-04-24 [Business Beat - The Spokesman-Review](https://news.google.com/rss/articles/CBMibEFVX3lxTE1FcmlSQlNzTzRlamxidUNEdkJBVmQ3MWhyOXhzZHRHS2tfS2s1STZFNmNPTWoxVGZuQVZGQUQ3Ulh4bkZxaTFDMkpGX3JpcEp0M1d4cGRMWHhkeGIycEE0b1VZQ1NaWVl2Z3BIRw?oc=5) · The Spokesman-Review

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24451 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/3.json (key "24451", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24451
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide