# SPOKANE CITY
Spokane, WA · NCUA charter 68283 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/spokane-city-68283

Who the members are: state charter, organized 1934. 4,289 members of 10,000 potential (42.9% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 77.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $65.7M |
| Members | 4,289 (0.1% YoY) |
| Full-time staff | 11 |
| Net worth | $6.9M |
| Net worth ratio | 10.6% (p26 of band) |
| ROA (annualized) | 0.41% (p34 of band) |
| Total delinquency | 0.09% (p11 of band) |
| Net charge-offs (annualized) | 0.06% (p26 of band) |
| Loans / shares | 86% (p92 of band) |
| Cash / assets | 18.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p50 of band) |
| Operating expense / assets | 4.02% (p66 of band) |
| Vehicles % of loans | 20% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 19% |
| Third-party paper % of net worth | 46% (p76 of band) |
| Vehicle delinquency | 0.18% (p23 of band) |
| Vehicle NCO | 0.10% (p43 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 11% |
| Average share balance | $8,707 |
| Participations bought / yr | $5.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.9M |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 34% |
| Average loan balance | $15,230 |
| Loans granted, annualized | $15.5M |

## Participation posture (from the same filings)

Bought $5.0M and sold $0 in the latest annualized quarter; $1.9M outstanding purchased (27.5% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -0.7% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | members leaving |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 4 | net worth falling, delinquency rising |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 2 |  | net worth falling, delinquency rising |
| 2020-03 | 1 |  | members leaving |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 4 | thin capital, delinquency rising |  |
| 2021-03 | 4 | margin squeeze | delinquency rising |
| 2021-06 | 5 | delinquency rising, members leaving | net worth falling |
| 2021-09 | 4 |  | delinquency rising |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 4 | net worth falling |  |
| 2022-06 | 3 |  | net worth falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 | delinquency rising | members leaving |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | net worth falling |  |
| 2023-09 | 2 |  | delinquency rising, net worth falling |
| 2023-12 | 1 |  | thin capital |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 4 | assets shrinking, loans>95% of shares |  |
| 2024-09 | 2 |  | 3rd-party paper>100% NW, loans>95% of shares |
| 2024-12 | 2 |  |  |
| 2025-03 | 0 |  | delinquency rising, assets shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2025-03-13 [Gesa Credit Union Secures Naming Rights for Spokane’s Iconic Pavilion - City of Spokane, Washington](https://news.google.com/rss/articles/CBMivgFBVV95cUxQSGptTnVua0RZUzJaRk9POXE5S1Q2b0g0WVRKVkNYNVdwMWdtaUV2cVlOMTVOZW5xdWIyeWQ0a0l5R1R1d1hpT2VRcFRVTk9DUjRmSDhhUEYtYlhleWlsbUN3b2NiQlZ0blJxX0hqWEJqN0dZRm9uTlJ6VnBoREdhV1d1d3lacWo4TmdNUHpCT2NYSUJNcEZ1dWdfcWxjeVhCMjAycVJJV2k2Y3dkTHNuU01JV0lXRDlFeGJYWlF3?oc=5) · City of Spokane, Washington
- 2026-06-04 [SCCU expansion includes new community space - Spokane Journal of Business](https://news.google.com/rss/articles/CBMikgFBVV95cUxQYXREMVJrOG5UU3Y1WkdBSjlhcWMxeUFmRV9wZzBuVjZjM3BGSDN4WnVjRVg4NU9vS0Zqb01wdDNUUG5INHZldVlqTF9FSjQxSXVFZzFOVnZrUXloZXBiZkRLZkN6c2RaNmxoaURTbF93MHRGbEFvLW1nTEhpSU1JeDQyemJpTExjLXNQZk42ZU5DZw?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
- 2025-08-04 [Dog Days of Summer - NonStop Local KHQ](https://news.google.com/rss/articles/CBMimwFBVV95cUxPME5fWGVfcnhtbVFHV2RvTWFUTFlTdW83X1dES1BnWXFCcmRtMVhRNDBfNzVnVllJQURzcTh1aXdFcm1mQmliWkRrU3VLZHJEc09Gc0pLZmFPdUYtUmFTWnBfZzhRVkJJajJ4UXk5bWN4M3VhVjZCc3E5NF9YMXZ6cm43TnUwZ3ViNVZDWmZFLUVKWE5NT2VndEpWaw?oc=5) · NonStop Local KHQ
- 2023-10-01 [WSECU Fall Fest 2023 - City of Spokane, Washington](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQaUNXWFV5QnVXV0t0Z1VTdDd2VnRFMnZCdmExYzUtQkFhdzF3ZUZOVXZRYWhPUVhON2lRVnAxNkxsVmF6UG0td1hPcXl4RVNGaktTY1ZRb2d0bmVrZmJCT1R4czZ2VklMd2xXYWdVczh2QzhLcDc0M1QweW1fMUxTdmVhVnQ4eDh1?oc=5) · City of Spokane, Washington
- 2024-11-24 [The DIrt: Martin Luther King Jr. Family Outreach Center to develop a microgrid with Avista; dog park plans for Riverfront Park submitted - The Spokesman-Review](https://news.google.com/rss/articles/CBMingFBVV95cUxOc3BvVldtWEtiUF9qbVkwbHBCeURoTHFTRnFkSzgzN2dFOEE3VTk1eGFJc1lUWlI0M3ZHdjU1clZOZHNnUzNCX2h4d2FXX0djODZURERTWUM2aTNpdDMtMzdCSWF1NVdCdG1LcmpZRHdvU28wbDd4SlBKcGVhbjdRVVFKZUN5RnFoOWpNUVR4NGF5MjJKT290LUxJOVRGUQ?oc=5) · The Spokesman-Review
- 2024-01-10 [Dean TREICHEL Obituary (1943 - 2023) - Spokane, WA - Spokesman-Review - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQdTZzUmp4clIyU0FOMGFYRC1pOTNLbzZGNHdReno1dHMtbEJoWGV3eE9XVVVGSW1ETWIwcTUzcHE2QzB2c3BKVGNSQUFpT2dieTdGVG9VV3lBZGE0R096ZmRYaV9xZkowcWRDLVZGYlZmNjFPSXZKYVg5WmJHMjhVYkZOck1pVXZyOE83MDhObw?oc=5) · legacy.com
- 2005-01-28 [VANCOUVER MAN SENTENCED TO MORE THAN 20 YEARS FOR STRING OF BANK ROBBERIES - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMiekFVX3lxTE45eHppQXhUNmdhNFJnaW1VUlk5WkE0NjlGSVlHUVFuSVRzR1pfUE1Nalo1d29ibkU0SU1URzBYLXFwZ0RpV2NCMjF5bllWd01MWm85R2U2SjhlWUdjMzVQVC1pRmZ4T3NFZ0pmaW9vc2NrVElUUVd5cjZB?oc=5) · Department of Justice (.gov)

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68283 (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/59.json (key "68283", 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=68283
- 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