# SPOKANE FIREFIGHTERS
Spokane, WA · NCUA charter 68205 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/spokane-firefighters-68205

Who the members are: state charter, organized 1934, low-income designated. 2,553 members of 18,000 potential (14.2% of the field); checking penetration 85% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. 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 | $86.5M |
| Members | 2,553 (2.4% YoY) |
| Full-time staff | 11 |
| Net worth | $12.2M |
| Net worth ratio | 14.1% (p64 of band) |
| ROA (annualized) | 0.22% (p23 of band) |
| Total delinquency | 0.14% (p16 of band) |
| Net charge-offs (annualized) | 0.09% (p32 of band) |
| Loans / shares | 66% (p59 of band) |
| Cash / assets | 24.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p20 of band) |
| Operating expense / assets | 3.12% (p34 of band) |
| Vehicles % of loans | 23% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.63% (p54 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 16% |
| Average share balance | $11,168 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $35,488 |
| Loans granted, annualized | $10.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | leaning on borrowings |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | leaning on borrowings |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 | delinquency rising | net worth falling |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 | members leaving | delinquency rising |
| 2023-06 | 0 |  | members leaving |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | net worth falling |  |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 1 | net worth falling |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 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
- 2016-11-01 [The best states for firefighter and first responder credit unions - FireRescue1](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNLXhTeDhURVVTbEFmMVhhVTBXb1lydDNEd21mRnNBcDk0WkFTdFJpb2xjaC1RMDlCT19NWWVzRzVyS0M4VUZPQ1diSTNHOWJKVWQ1Ny01bjF6dVk2dFBCWWJuMFFOOUZHVEdiTmZhU1hiS0Q1YWFmQWg4VnBKbmI0aktUYUFPS3dvWWhRR0xkOHYyUW50YjBsc1M0SlVLTl9IWFkxeU9hcXlXdVJUMEFjMmhoR2tCVHhHOUtiS3MtbEFqT2JQMkQ2Rg?oc=5) · FireRescue1
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2021-05-15 [Terry INMAN Obituary (1946 - 2021) - Spokane, WA - Spokesman-Review - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNdkZveUZreXVSOTkxcjk4QVhhRmgxby1NejhWdVFGN0c5eEh6d25sOXlBdk9jNVRXQUZiR0JyMFFpeTI2RG04Umdmd3p3Nk9GeTZDLUtmX3A3bk0xejBIRlpXWktLS1VvQzBOT1M3RVhOOUV2Vm9nY0RrcmtJN3hTNEZoTTlJbW9KajZj?oc=5) · legacy.com
- 2025-08-04 [Campaign cash in Spokane elections falls along typical lines -- even in race with two Democrats - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxQQ28ta0RjSkZud1Y3YlJBX2QzZThudkxUa3cxMGpfb3ZsajBzTTBtbTN3MHN4SEhyS2hWakNUQW55cDZzYkN6aWVicF80MmRfenctTndLa2QzakNCU3ZHVHNyRlE3LVFST1JWRzBEVDl2TTBhMnVsX21kLWhnRWJMZTBCbk14U2diczlzb09vT3IwT2ZzdUtMOTNocFRjdw?oc=5) · The Spokesman-Review
- 2016-10-03 [The best firefighter credit unions for auto financing - FireRescue1](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOb3JxS0txaTZid0JER1IyUzB4Y1FSREJsOV9NZkhqb1lLaDIxeDY1ZmRUVjNYUkNZZGVOS2Jzd2NxWDA5QnNfSEdaR2VITC12aVoteXUtTUg3RUs2YzJoWnFTTUNGNU1SZnpfQ0JfazhZTzdYWlhwMzNzVjlLT1dYdWpFblJHSzBHb2ViUm12WlVFMkJGQWdFSG9CTEZ4b1RVeWhPcDJqcW1KcTJBQ2JUSDhuR2ZxZlF3R0lVSTVSa29xWHc?oc=5) · FireRescue1
- 2025-11-09 [Gary BROWN Obituary (2025) - Spokane, WA - Spokesman-Review - legacy.com](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQeXBLQzdxaW5UbTgxdWRiVUhQYlo2UnpXdVpMVFNRcjNUenlFSUJ0VENKX3NEakZJd0hJbUlnOFZiVU4tUzViYUFwNUNfMDZRWGVOOW5XYk94M2dEUVJ0VGpjWmZoaTVXaWk3dmRaSXVWVGx6TnNpV01qeWJSZ3JwSE85T2dnOWJ6WGpj?oc=5) · legacy.com
- 2015-12-21 [Online votes could help Blessings Under the Bridge win $10,000 - kxly.com](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOc1VUa1E5YWFvMkFWYlhnS2VxSE80Q3RFSGFHQjZGVllkQ3I3UnhuQmlidHMzRUt5ZFBZWFl6eTBlTkJEM0lac0lueUpuSHpJSGV5RnZmRHl6Z2xEdFZQMUhFeWRncGIyU3hwblFVZ1NsdURFZ0FyY0x6YjJrMDF6dExRWWFIREFkb2Z1alNhd2tZSHVuZW5WQ2Q5aV9obUcteEV3X0pSZ3I5M1NrOW9TUmRNUGVqblRpQ0hqWmNIT09xMHdYQ3NfdWlpUWVVQUMtbWs1VzdLMDN5U2kyeXh5Y0JWWEJrWjBIbUNQcw?oc=5) · kxly.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68205 (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/45.json (key "68205", 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=68205
- 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