Spokane Teachers

LIBERTY LAKE, WA · 2 · Charter #68203 · www.stcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$6.3B
91th percentile
Members
307,622
88th percentile
Total loans
$5.2B
93th percentile
Total shares
$5.2B
91th percentile

Profitability

Return on assets
0.66%
25th percentile
Net interest margin
3.17%
47th percentile
Efficiency ratio
49.75%
59th percentile
Non-interest income ratio
17.13%
39th percentile

Capital & Risk

Net worth ratio
10.14%
36th percentile
Delinquency rate
0.46%
75th percentile
Net charge-off rate
0.81%
23th percentile
Loan-to-share
99.28%
78th percentile

Growth

Member growth YoY
7.47%
89th percentile
Asset growth YoY
8.05%
69th percentile
Loan growth YoY
5.47%
53th percentile
Share growth YoY
15.16%
93th percentile

Operations

Members / branch
5,697
27th percentile
Assets / member
$20,551
70th percentile
Field of membership penetration
3.58%
37th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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