# AVISTA CORP.
Spokane, WA · NCUA charter 68284 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/avista-corp-68284

Who the members are: state charter, organized 1934. 3,652 members of 6,650 potential (54.9% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *ordinary*. 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 | $71.9M |
| Members | 3,652 (1.4% YoY) |
| Full-time staff | 5 |
| Net worth | $13.0M |
| Net worth ratio | 18.0% (p85 of band) |
| ROA (annualized) | 0.45% (p36 of band) |
| Total delinquency | 0.02% (p4 of band) |
| Net charge-offs (annualized) | 0.00% (p17 of band) |
| Loans / shares | 70% (p69 of band) |
| Cash / assets | 10.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.01% (p2 of band) |
| Operating expense / assets | 1.63% (p3 of band) |
| Vehicles % of loans | 18% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.12% (p18 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 69% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 37% |
| Average share balance | $9,771 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $34,244 |
| Loans granted, annualized | $10.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | net worth falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | net worth falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | assets shrinking |  |
| 2019-12 | 0 |  | assets shrinking |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | net worth falling |  |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 1 |  | delinquency rising |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | loan book shrinking |  |
| 2022-03 | 2 | delinquency rising, members leaving | loan book shrinking |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | members leaving |
| 2022-12 | 1 | assets shrinking | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 3 | margin squeeze, delinquency rising |  |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 | delinquency rising | margin squeeze |
| 2024-12 | 2 | net worth falling | assets shrinking |
| 2025-03 | 2 | losing money | delinquency rising |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 1 |  | delinquency rising |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 1 |  | losing money |

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

- 2020-08-13 [Financial software company adds Spokane client - Spokane Journal of Business](https://news.google.com/rss/articles/CBMilgFBVV95cUxQd29xU2tCa1FpTklzdjRUMENjMXBkalFwOUhEVVllbDl2aThRM0VrOUpwUDkwR1dFUW9FVjJTbHVjRjR6elVjSmg4UFNlckQ2ZkRScl9aX3l3MVhNV3RaTXdWSWpNOGNpbmRzNnVLUnJqVEI0bk43QnV0ZjlGdmFxem9GTzBrSGpZaWlOaXplRk53RFBuaUE?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
- 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
- 2021-11-04 [Merging interests at Inland Northwest banks and credit unions - Spokane Journal of Business](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNRExrdHdJT08wbjFWUDM0TUJrdnJzaHY5MDNUYXlKeEhTU2lfUTM5MTEzQnFFVy1WT25xbzJhdVRhcDhPdDhzOHlrQWU2RThhMldTVUd1b2JXcmxJdGZoSGRZUEU4dWEzV1ZpQzAtWmk3VGRvLVVxckx2Wk9aRzlLTVFVRGZkYmozeC0zRk1JT3hXcFBGaGNJcElvbnpTNFloai1MaW5wa0s?oc=5) · Spokane Journal of Business
- 2015-08-16 [Business beat - The Spokesman-Review](https://news.google.com/rss/articles/CBMibEFVX3lxTE9IWjlMRkdDVkNBbEZPRHQ1a1F4QlA2dzk4RDdZaDh4WmlUd3NRM25OZXFEX2RTR2FDOTdjU0hQMXpvajBFVXlYNmk4VzVtYk1NQUl3WXo2NG0tVWtnUTdRcjU2Ml9TSzI3dHRweA?oc=5) · The Spokesman-Review
- 2026-07-16 [New Hires & Promotions: July 16, 2026 - Spokane Journal of Business](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQQzVfWFhkM0prX0ZEdWpaZXo2V1VsdWViQmhDY3BmUDZkclhMaWM0SjNSdVdNQzI0dnBJbElMdTRhZGxJX3dqaHlwZ2Y2OVl0VkMxaXhqY1pYLVhPQWhzSkpJa2p5MUVuSVc4cVlHRjhqNzZOUVRaY2pwT0ZvTVNjalJXNW9nZG9JUXdz?oc=5) · Spokane Journal of Business
- 2026-08-04 [Candidate: Trent Maier - The Spokesman-Review](https://news.google.com/rss/articles/CBMinwFBVV95cUxPSmNmMzJJYWhLRzl3UFh4OXdVbjUwdFJwWEpjVUJOQU9ya01SekI0NDRRTUlTZjV0em1ST2tFQzJ2YXZXTHpsS010ODZpWllxbzRuXzhHVUJENFRtQ1NFU05xdDJDSl9OcnZhVkozbzhPZUd5MF9GZlBxamp4Q1pmV0hBTGh6R1ZJbXYxa013dUQtT2ZQMGx1Z2ZiRk1PT1U?oc=5) · The Spokesman-Review
- 2025-11-20 [LaunchPad INW to kick off initiative inspired by Momentum '87 - Spokane Journal of Business](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNTFRtN1FUTmRCT1ZRWVdRbWlqMHdKd3dvZ1Nua0FpZk11TERLNjlFLXdPazZxMlo5WVVKQ1ZUWEIyQThvTnlDNDktWnB1T3ctM1VBVkNLTVRtZFNlLUR0TEIzZHdTMGtWdTlKRGxlX3NrWXdXS0p5enRnV21DZzFobk1oQjc3UTZWd2hLdHFsaDdJUGp2a19aZFh6VEluVnZyQlpHYks5YkRKdw?oc=5) · Spokane Journal of Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68284 (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/60.json (key "68284", 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=68284
- 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