# SAFEWAY
Spokane, WA · NCUA charter 8132 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/safeway-8132

Who the members are: federal charter, multiple common bond, organized 1952. 4,310 members of 7,000 potential (61.6% of the field); checking penetration 59% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $74.6M |
| Members | 4,310 (-1.0% YoY) |
| Full-time staff | 12 |
| Net worth | $15.4M |
| Net worth ratio | 20.7% (p92 of band) |
| ROA (annualized) | -0.17% (p11 of band) |
| Total delinquency | 2.50% (p97 of band) |
| Net charge-offs (annualized) | -0.09% (p5 of band) |
| Loans / shares | 64% (p55 of band) |
| Cash / assets | 45.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.41% (p4 of band) |
| Operating expense / assets | 2.70% (p21 of band) |
| Vehicles % of loans | 58% (p73 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 1.71% (p87 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.02% (p77 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 6% |
| Average share balance | $7,147 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $12,979 |
| Loans granted, annualized | $6.1M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

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

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

- 2026-03-02 [KGW Great Food Drive food drive is going on now. - KGW](https://news.google.com/rss/articles/CBMirgFBVV95cUxPX2RUUllVa1FSOFlUd2FBcDZ6Ulhob1pva1c5Y2FkNlRoYUJ2SVBLeV9mb0NMdDEtc2c0TGxKYXZWNkhIM3pxNmZoRmptYk5nYjlCMGc4ODZIX2ZZQnMxNm9KdnFUTjlsUFl3YjRTLUtEQzhmYW42eUU2azlhTVpGbDM3NWhMUFk1bS00M21HazVUS09hZnJJc3dzb252OHlicUd1eVlsUFFkcmVqMEE?oc=5) · KGW
- 2026-06-03 [Grant Behrmann Obituary (1938 - 2026) - St. George, UT - Deseret News - Legacy obituary](https://news.google.com/rss/articles/CBMikwFBVV95cUxOOGtuRWpWV3NQcmpMS3BvNWpDUHduWXZHNkFZZEdwT0pXMER3cWFkMVR3VVN5T2xzNVdScU8tMV91b1NoblZna3ozV3FUYWFCMGozZ2lFSWNvXzFfazJrVXNaaXFrakNkTTVVRmtpVFEwYkZ3czRVNDAwcFBYMkNJTVJOVzdhN3NBb21yaThQMXF2eFU?oc=5) · Legacy obituary
- 2025-10-31 [Help KING 5 raise $5 million for Home Team Harvest - KING5.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxQYUdWQUtUQ0FPdXFxTHFOWWtPS2JuYXdoNGxfdGJQcFI0dWpDR3lQVDVzMFRORjBjY215NG1RV2hWM0xvTEV1LUNtM1pJRWtMSl9ua1dFN3k1Y1JIY1JoUmZ5cGltWkt6aWRvNEUwSmh1ZWJMOTRiVEdzRHBoVGRuUE9xaDNEcC1DUXJvZDI0aThrbVE3SjJvbjlFeGY0VTFSWkZxcGUzVnZ5WEstRnJXMlNpUXVrcFVFZ1ZZSnNlNXlEMzVCZHQ4NnJtYw?oc=5) · KING5.com
- 2022-04-14 [Qualstar Credit Union (Redmond, WA) appoints Michael Elfstrom as new President and Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPcS0ydWZsN3hjS0Y1VVVseDNoXzdSNGxHU0NRVFBRSjVqa0pNYzdCT2pDSkVYNmFIbEE2V1ZzOVBhR2tnOTJyTzRGTG16Qy16YnZlYmRfSlZfd3FPWkZia2hTS09LZ0FfR1htYm5QVUxnYS1Odzlfdl9Zb0RGZzVhRHhwLVZFdk1kS05SWEtIUlg0QnFYenZfSm16Zm1NSkxsdDB6ZVltVmdSNk9QbWI2bXByQnVOLXI4Y1FsQ2doeGVxdUlPVmxmc0YxaHJ1eFUwSVpDRUZ0U3pPejlF?oc=5) · CUInsight
- 2025-12-25 [Washington - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOHdtODhCYTFpVGNBalVIN05VcWIyd0JwM29HdHlEVDBjVXZuTXMwRTA1SXJGZUo3N3R4Y1dKUUNPenhPRHdMZzhTQjZBYmtpdGlLcnZET3ZWaDNEUmZMek9ublRCOWIzZlI0WUZxbzd4bDcxMmhWSnpTLUZoS1N4RXBDYm4tNEVpWG0xUDZsSlhJUQ?oc=5) · Newsweek Rankings
- 2024-06-07 [Local credit union announces new full-service branch coming to Pierce County location - Tacoma News Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTE5BSnJGQlg3Yy1PSk15OHFQS2lPZldKcHZsc3dGck1RWXBZRTlpVDg5SDFJUVBzNXoxekZJRDBQdmZoYmRhRVE5c2pKc2o5TXEzVE1GNXJ1ZENtQmlBWThEMDRaTTFPaUlhby05SVRlMEvSAXBBVV95cUxQZTlZVVVodjlZc19GdmJTMUllVkphdUVwWklKSXU0VC1ISmQ4MThvLTBQblpiMFk4OGFJcXVlMTZ1V3lGTlNsbEhicUloQjhoa2pqZ3drVmM2dmxSTUtGZUN2U0ZYNXpjV09wZm8wVWsw?oc=5) · Tacoma News Tribune
- 2024-11-01 [Hawaii State FCU opens its 15th branch - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxQN0FpTzZsMmdMMGNmVzVNWUU3QkZJakJvNTgwSU8wcWJ0Tk50dWlkMTY2czluV09PR013NDZUX0t5S20tb1pCaTJ4YkZqZjVOMWd3UFZSeGRvcVo0MGtzdDVaYUpQZkJMUFhURmp6UXVXaXRoQ0xGQU1CNXNnRzNDZmhiUU5OdjVnRlR1ZEVaektXR0syc0k1enc0c0dEQXM?oc=5) · The Business Journals
- 2025-03-10 [Horizon Credit Union Closes Safeway Branch in Moses Lake After 19 Years - yoursourceone.com](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPbXRESEFvSmNCa28wU3lZZTJ4d2d6eXpxdDk3SFlFcXpKV2JhQ1U3OHFKVHFSMktBVVVNTURwSmRyNHlZU2FreTdhbkJCY1dVM1p1QXVMaG1oX0o3dEM2eXVrejVBdl9uUk0yYU5kcUxDOVNfU0p4SGxqTFVRVjNOZWlQck9YMmdJZEQ3TUJtNFpOWFhrOC1iS3lwME9nX2Y2a2NRaXM0ZVhMcmQycndPT2hQSzVtY2Z3NUQtLTh0aG0xcFozWi1UbVJqTENhZjJSelV6ZjNWbkJEbHdIX3BSVlRZVmk2UVpfbE4yWllFMHBNYW94Z0Q4NUdn?oc=5) · yoursourceone.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8132 (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/4.json (key "8132", 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=8132
- 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