# RESPONDERS EMERGENCY SERVICES
SPOKANE, WA · NCUA charter 68305 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/responders-emergency-services-68305

Who the members are: state charter, organized 1966. 2,606 members of 30,860 potential (8.4% of the field); checking penetration 75% (share draft accounts per 100 members); loans per 100 members 78.

**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 | $57.0M |
| Members | 2,606 (-1.1% YoY) |
| Full-time staff | 12 |
| Net worth | $9.6M |
| Net worth ratio | 16.9% (p81 of band) |
| ROA (annualized) | 0.32% (p29 of band) |
| Total delinquency | 0.00% (p1 of band) |
| Net charge-offs (annualized) | 0.00% (p12 of band) |
| Loans / shares | 70% (p67 of band) |
| Cash / assets | 10.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.28% (p29 of band) |
| Operating expense / assets | 3.40% (p45 of band) |
| Vehicles % of loans | 48% (p59 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 19% |
| Average share balance | $7,550 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 78% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $16,233 |
| Loans granted, annualized | $8.9M |

## Flags firing in the latest filing

- none

## 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 | 3 | losing money, repo signal |  |
| 2017-06 | 4 | delinquency rising |  |
| 2017-09 | 3 |  | losing money |
| 2017-12 | 1 |  | repo signal, delinquency rising |
| 2018-03 | 2 | delinquency rising |  |
| 2018-06 | 0 |  | net worth falling, delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | leaning on borrowings | net worth falling |
| 2020-03 | 0 |  | leaning on borrowings |
| 2020-06 | 1 | delinquency rising |  |
| 2020-09 | 0 |  | delinquency rising |
| 2020-12 | 1 | losing money |  |
| 2021-03 | 3 | net worth falling, delinquency rising, loan book shrinking | losing money |
| 2021-06 | 1 |  | net worth falling, delinquency rising |
| 2021-09 | 3 | margin squeeze, delinquency rising |  |
| 2021-12 | 2 |  | delinquency rising |
| 2022-03 | 4 | delinquency 2x band, delinquency rising |  |
| 2022-06 | 1 |  | margin squeeze, delinquency 2x band, delinquency rising |
| 2022-09 | 0 |  | loan book shrinking |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | delinquency rising, assets shrinking |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | members leaving |  |
| 2024-06 | 1 |  | delinquency rising |
| 2024-09 | 0 |  | members leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-01-29 [Niche credit union seeks second Idaho branch - Spokane Journal of Business](https://news.google.com/rss/articles/CBMisgFBVV95cUxPOWc2S1UySS1tbjd2VU1aT05rVEl1dHRxZV8xa0dWSE4zdzNqRzYxU1otYjV5TGxiV1dzNGU1bEtRbDFva1JZam1naHZFbFQxWXUwZDgyWC1ncEpQVFFsNkItSVp2c2puVU5pZVFkQzFCX3JyOVV2dmYwaHk2WXFTQ2lMVUd1ckdWMnZJSTFDaVFraVoxaG9zcnlhajNZaWdreGNYOE51S0l2WGJKaW9RTmtB?oc=5) · Spokane Journal of Business
- 2022-06-24 [RESCU sees membership grow during pandemic - The Spokesman-Review](https://news.google.com/rss/articles/CBMikwFBVV95cUxNaEVtNlRCZjcweDVEUTVCRWxVZG9YbDAtYVdnSU9XdW5RYzRMQURRVlQwVkVIc0c5X19ONGRQNUE3XzZlakVrVVFLbE5iVTgtTUVubnJuZWNDZG9xQWgyWjBJWXhidlpCYjVvYkdNZVYxUG1odmZ1dFN4aUZkSVd0d1RIQXRiaWNjV0dXZENkVEFYVGM?oc=5) · The Spokesman-Review
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2026-06-05 [🍕 A huge thank you to CorrCom for stopping by and treating our Corrections Division staff to pizza today! We truly appreciate your continued support of our agency and the men and women who serve our community every day. - facebook.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOejljc18zU1dNS1pKay1nTU5SYWRMa19aM3NjV0pMekszVVBUbDRUSmhsSW9fN0U3V1doSzRPOXhIWkFOb2NoSE1WS0R2V0s4N0xNX0N6bnpDSllLUUE5a0RqWWhEdEY5TlJlRVY3QXdLd1F1amNmYURabmw0eThTRXlyZi01T1FWd25Db1BzQU1wYWJKVjhoTDJOWW1Ra3UyaS0wYW5LZ1laa21oN3EyOEQtd1dyOWZKVHYzRHFjclJwSmV2TTJJRUM4MHU4OTFTSDNtaHdkN0hFaEsyYjdN?oc=5) · facebook.com
- 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
- 2019-07-08 [Spokane Police Department mourns loss of Lt. Jon Anderson - NonStop Local KHQ](https://news.google.com/rss/articles/CBMiywFBVV95cUxQY3loRC1EQnJuSXFzZlN6R2trOHBZWllhRUJ6MzJObTB3ZjN4VFU2amRycGZMWF9rLWR4LUYyVVRQYUgxYkRESnVGOS1LT0VnNlZ5SEVNOXBISThsZHRNb1hydHBxWUo2MGh4RUJnX3ljSUVhMURhRkhITTNIc3RNR1ZQdGl5UlRsekE5VVNGUlhPa0x4bXQwWlRMcWQ3U2stMldIeG14SHh0NUtOanRsTVBDZ0R4OUZFNWdLaTRTbnB6V0ZXUWl3eGw5NA?oc=5) · NonStop Local KHQ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68305 (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/17.json (key "68305", 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=68305
- 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