# NUMERICA
Spokane Valley, WA · NCUA charter 66841 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/numerica-66841

Who the members are: state charter, organized 1937, low-income designated. 178,219 members of 1,308,683 potential (13.6% of the field); checking penetration 83% (share draft accounts per 100 members); loans per 100 members 65.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.34B |
| Members | 178,219 (2.0% YoY) |
| Full-time staff | 626 |
| Net worth | $509.2M |
| Net worth ratio | 11.7% (p68 of band) |
| ROA (annualized) | 1.00% (p74 of band) |
| Total delinquency | 0.42% (p28 of band) |
| Net charge-offs (annualized) | 0.23% (p17 of band) |
| Loans / shares | 93% (p73 of band) |
| Cash / assets | 11.1% |
| Borrowings / assets | 3.70% |
| Net interest margin | 2.90% (p22 of band) |
| Operating expense / assets | 2.95% (p36 of band) |
| Vehicles % of loans | 19% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 136% (p49 of band) |
| Vehicle delinquency | 0.20% (p11 of band) |
| Vehicle NCO | 0.40% (p12 of band) |
| Repossessed % of vehicle book | 0.03% (p34 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 278% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 33% |
| Average share balance | $11,945 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 65% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $29,603 |
| Loans granted, annualized | $1.12B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $21.4M sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 5.5% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | net worth falling | leaning on borrowings |
| 2017-09 | 3 |  |  |
| 2017-12 | 1 |  | loans>95% of shares, net worth falling |
| 2018-03 | 3 | delinquency rising, loans>95% of shares |  |
| 2018-06 | 4 | net worth falling, leaning on borrowings | delinquency rising |
| 2018-09 | 4 |  |  |
| 2018-12 | 2 |  | net worth falling, leaning on borrowings |
| 2019-03 | 1 |  | loans>95% of shares |
| 2019-06 | 2 | loans>95% of shares |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | net worth falling |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | loans>95% of shares |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | loans>95% of shares, leaning on borrowings |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 3 |  | delinquency rising |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | net worth falling, delinquency rising |  |
| 2024-06 | 4 |  | net worth falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | loans>95% of shares, leaning on borrowings |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | loans>95% of shares |  |
| 2025-09 | 1 |  | delinquency rising, loans>95% of shares |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-09-05 [Numerica Credit Union becomes first jersey patch for Spokane Chiefs - kxly.com](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPSDg2MFRIcDJ2Q2huU3VYMjYxS0dxS0hzVzVvaTNub1hQandJQ3d4RWprWmxiOVRhUVFsTzR1U0p2UFFiM2lZcUgwVDd3cENya25pUEp1MF90WlV5a1YzTFJmcXRSR3JreTVtX2ZnMF8wMDdrT2VhTXRzeWxHQklPZmxHOUE2ckNuaUNrVEV5MnFaYUJNLUJ0ZDEyZ2RkN2pJR1MwQ1RMVENkdHhMTk1TWFYzQjlaUEg2Q2lpZ0Jyb2VLa2RMeDRoWGktTkZOM0J5ZDhqMTdnQ1ZPWkc4N0NuVFVDUjFhVkRvZng5RU5MYmV6UQ?oc=5) · kxly.com
- 2026-09-04 [Spokane Chiefs Announce Numerica Credit Union as First-Ever Jersey Patch Sponsor - Canadian Hockey League](https://news.google.com/rss/articles/CBMitAFBVV95cUxQSDBLWmtIelJQZ3B1YzQxeW9KLVJ2eGp6aWludEFMYVJ5MmhLRzFUMzFFTmpYLVlyUTJkNG1qUlg1STEwV0xoSFlTRUMtVGNRUHVHYWZUR0VlTW9KdnFqQlF0ajQ3YzBnOHNmc2dlWmFJd0w4c0w1R2g1VE5CZjl4SXQ2TU9halQwWkdrcFBLWVVLWUU2NGdDVW1rYlJfcHdVb3hBbUVqR3RRU3Y5bEZLdGVMa2Y?oc=5) · Canadian Hockey League
- 2026-09-04 [Spokane Chiefs announce Numerica Credit Union as first-ever jersey patch sponsor - krem.com](https://news.google.com/rss/articles/CBMijAJBVV95cUxNNnNteUZUWUQ1M1JLZXN6MFRIYVVLMEJtTWJBQmZRM1FqZ0lpY3JaRkNLeGE1YzNTU1ExS3BBcmwxUzZmZFJjUnRMSTEzSDI0R3VrMHlSSTZRRl9XSUlFVFQ2UzFOZjlEYmxvQURzSHIxUC1XQlFEVVVHbFNTb3Y4dXNFa1FjUHFCQjYzTVlDNkplLUwzd0pmS0t0ZXdwNThUYkhocGlfS1IwQ2xUSnYzVFdIUWo5X3hyNS1FOF9kZ1B3dTI4RmxQU0NJZkxvV29NUDFlUGpmbE1UdlB2d0NBSHBybXEzTzY1b2ZZTTN5Tk1KUTFCcFVQdmNxZW4zOXEzM2JiWTBOLVdWNkQ3?oc=5) · krem.com
- 2026-02-02 [Numerica Credit Union to open full-service branch in Moses Lake in 2026 - CUInsight](https://news.google.com/rss/articles/CBMisgFBVV95cUxNN0d1UEg2WUpfb2hNWTU0VDVkSUFvM3E4MUtHOWVxUExjQU8yYURnd1MzZks4Rnd4RVBUdkVsakR1dENJanZ2aW1PRWVTS01feFc3eFJ3ZzlNSVNDOHVjckgyS29Ja3dEbk5XeWRMUURtSUxxR0FlNUhuNjRxNW0zN1E5bzZYUXRXLTdLcmpKQU43Vm1kbV9EQ1J0dERPYXVTcGtRU0l4b0ZxTHJFQVVLTU5n?oc=5) · CUInsight
- 2026-07-15 [3 Wenatchee seniors receive Numerica Credit Union scholarships - The Wenatchee World](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQcEM3eEduUS1kcjlFQUxYWW9SNWVDZTZfMFRmajdpLUd5M2NmTzFwMTg5ZE1yT0trNVpxS2Q3QXM4RW4yQ2pfbnlieXYxRVc3UDA0aTc3UzBRNjRmNFlhM3RMY1dDa0dJVGVneUREV0hnUXhaOVJPelRaVXc4NVZsOUloOEhCamxHcE9FM1VEOWFYc2JKaW5rZl93eDhxa0tpTnhsaVJWdkFxSWxJODExTDRMMFNOX044X3N0U1pfRlFVU2JEXzByc2lSMlV3c0FQb25qdUxxVDRoRDdBTzRZdFBNN0w0LUU?oc=5) · The Wenatchee World
- 2026-02-04 [Numerica Credit Union returning to Moses Lake - Columbia Basin Herald](https://news.google.com/rss/articles/CBMimwFBVV95cUxPcldzT2pRWlg1WHJDbU1ZRmJkUDVoY29tX0YwMmJYMldaSjNNdVV3ZEtzR2JzUmpjcDM5aGg5eEh3Z3d3UnhlSVhiMWNMZnVDQjVNN0E5T2xJc3MtdXk4bnFJaWY0TEhXbVUxSXB6a2JRblRzZnRPNENWaWowUm1ITTlyTVBqZ0NHRE1MRFhoZjE5ZWNodFM3cjVOSQ?oc=5) · Columbia Basin Herald
- 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
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66841 (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/25.json (key "66841", 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=66841
- 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