# INSPIRUS
Seattle, WA · NCUA charter 68362 · asset band $1-10B · latest filing 2019-06 · stopped filing after 2019-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/inspirus-68362

Who the members are: state charter, organized 1936. 80,700 members of 7,535,591 potential (1.1% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 72.

**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 | $1.38B |
| Members | 80,700 (2.4% YoY) |
| Full-time staff | 163 |
| Net worth | $145.0M |
| Net worth ratio | 10.5% (p43 of band) |
| ROA (annualized) | 1.12% (p66 of band) |
| Total delinquency | 0.35% (p40 of band) |
| Net charge-offs (annualized) | 0.39% (p52 of band) |
| Loans / shares | 94% (p66 of band) |
| Cash / assets | 8.8% |
| Borrowings / assets | 3.05% |
| Net interest margin | 3.13% (p57 of band) |
| Operating expense / assets | 2.64% (p26 of band) |
| Vehicles % of loans | 34% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 10% |
| Third-party paper % of net worth | 25% (p19 of band) |
| Vehicle delinquency | 0.39% (p53 of band) |
| Vehicle NCO | 0.77% (p70 of band) |
| Repossessed % of vehicle book | 0.00% (p13 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 8% |
| Average share balance | $7,914 |
| Participations bought / yr | $119.3M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 72% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $18,884 |
| Loans granted, annualized | $510.1M |

## 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 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |

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

- 2025-12-03 [Gesa Credit Union announces two vice president promotions - CUInsight](https://news.google.com/rss/articles/CBMinwFBVV95cUxOcU9ZV0tRUmFoUVA5T042VTVFMHpGUjhvbDhBYVpKZWFORmZONEdvaWtSX1lKckJPSFQ2NzV5MFdXQkpOc3FfQV9heDZIdzhPQ3pUUE94ajl1MjhsTFAwaXVaYnpKNDVJcXN6akdySkp5ejR6WWNiNUNUM0JLbzBRdWhXXzlYZzJmWGFPQU9mTmtJVU5MU3hsTjhkRVlkRnM?oc=5) · CUInsight
- 2018-12-05 [Inspirus Credit Union and Gesa Credit Union Jointly Announce their Intent to Merge - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOZWVfdXp0NFUwcFhtZmxReEtJMTJSZFZmbmwwZWphMm9iTy1zR2VHRW9oOXU0MnhuMlNUSlYwUXhIaGR0VEpwYV9ST1NqV2RmTkZqa2tMdExxZk5jMUthM1dZYk5UdkhmQWdVSFRMeGNkZWVGcDNSd1kxR1hwOVBwbjRYb05yVDFLUzZ5X2JFaUxVdVVReTQ1dHpqT2xUWlc4SHRkSlEzQVlIMUFSbExORlZNalVEcmFNRW5IaXYzZDJLZGV1ZEUyak5FckItVDdwajZ0Uw?oc=5) · PR Newswire
- 2018-12-06 [Inspirus Credit Union Agrees to Merger with Gesa Credit Union - ABF Journal](https://news.google.com/rss/articles/CBMikwFBVV95cUxQTGJOOFlVVjY5TFlTLTJ4Slp4OWp6VGNiLW5NcnhJdkMzM3daSHZpYjdQajBXdGVKXzJjcGFVNHl6TDhHcGhBaml1bkY0ZG9WY21VOHg0ak4tS0tTWG03eEo3SnpZQkhrMmJWbmY5MkN5aEFJelNyWnVkWU5ybTVtYmg1UjRqeFFlcVdaTW5GTC13Y0E?oc=5) · ABF Journal
- 2019-07-24 [Gesa merger will create state’s 2nd largest credit union. But it still doesn’t have a name - Tri-City Herald](https://news.google.com/rss/articles/CBMicEFVX3lxTE1iZVczMUU4M0xzeTdEZkFfY1NsMUtsU1dhUTlFdnN5aDdBR00yRDg3ZmpoRHFrZko1NVcxUld1WDRpMVlZZzh0T1had296dk9vMHRxUGFvbXZ3c0lMOFQtWUttWjZCdmcxQ3NHR05FOGfSAXBBVV95cUxQeVNjTU5wa2FneWJPTUZsUUpFaWhQT2lmbWtwT25kS1hLQkVIVUVZWUd3azFXS011QmRLOTZjc09XQzU1UFFiOWRTTG9qZk9GdTlmZDJuNmszVm5VYXM0dVBEZUlaTFJVTFBfaURwMWRV?oc=5) · Tri-City Herald
- 2018-12-06 [Washington State Merger Would Create $3-Billion Credit Union - cutoday.info](https://news.google.com/rss/articles/CBMinAFBVV95cUxNRWFienVNVjRlQkJNSm9Ram1vN0FjY0ZUZzlkTEVjR1RUNjNLbDhGVVlIQmJVY1k5NGdyel9KRVBnbWw1Rjh5VG80NFE2S3o4bjA4Mkxkanlwd3dqTl9OR1VSRTVNWC1YTnIxaDhrRjVxU1FibWZTTGFMd2I3WEdrR3hjSXhuS2d1YUxzSXVPM1pjU1lqMmxzaDZYblU?oc=5) · cutoday.info
- 2020-06-30 [Forbes names Gesa Credit Union top credit union in Washington - Lynnwood Times](https://news.google.com/rss/articles/CBMioAFBVV95cUxOazVTQnlXTXdNNEZwanEwb1gxYlRkanhMWWtSdmpGV3lwMDZaVnphMXNsbVlnelR3YWNCVHVuTlE2emVpaGVTcWQxZWFjTldUc0hpaG1qZEExOWRaMDdzaVdhaFVydUszZFlFX0o4eXpTY21OWkUwT3lRaV9OMDRGTk5mbHY5TVF3WkJnVEMwRDJSVUItdDAyQ3VrMlN5aEw5?oc=5) · Lynnwood Times
- 2024-05-28 [121-Year-Old WA State Bank Acquired by GESA Credit Union - NEWStalk 870](https://news.google.com/rss/articles/CBMihwFBVV95cUxNRi1BSFhFVzZSRWJoZlh2RW0wZ3o2dG91NTVNMHJkeWNva0NWZ1pXanl5TnVOLV9KZ3pNdmJBZ3gwQnpQOFl3cVFBZDJXaFlGRjBpWXdVVjN5bEt3UGpNMGh0RDBkY2FkQzhZZXQyT0dRaEQ3dk1HYmNjREoxVjcwVXhoT3ZjSHM?oc=5) · NEWStalk 870
- 2021-03-12 [Washington State Athletics and Gesa Credit Union Announce integrated partnership including newly named Gesa Field at Martin Stadium - Learfield](https://news.google.com/rss/articles/CBMi-gFBVV95cUxOcXBacGJvN1NmWE1EZ094aUctM1otNlF1cHlETVhNSUdxanFCeGZLbkJfQTNpVVI4b090ZFQ2YkhfUElKZVZ6NUhkYVhjLUJTcURUUEtnOFdjVHMySkY2R3ZTa0w3UThTOURQMjRFWEk2aGhobTg4YmpEcVM3R3p6ODhTSFNOeU9VRlAxclFQNXJwRGIzZGtvY0MxQmk2eDZMWm5CSzkxMEtUNjB1RHl6bDl2NGI4NFJueUtjeWFUWHQ0RzFZNlhGX2xrckpxZm1LeVJ1REY5VTBaYlpuLTEtYzJyX3ItZU4zaGRuZEFwYlJlOEllUjdsZmFn?oc=5) · Learfield

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68362 (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/10.json (key "68362", 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=68362
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide