SPOKANE TEACHERS

Charter #68203 | WA

5B-7B (34 CUs) Large (64 CUs)
3 5B-7B in WA

SPOKANE TEACHERS has 8 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 14.9% in tier
  • + Emerging Performer: Top 17.2% in tier
  • + Relationship Depth Leader: Top 18.0% in tier
  • + Wallet Share Momentum: Top 31.6% in tier
  • + Net Interest Margin 0.16% above tier average
  • + Strong member growth: 7.8% YoY
  • + Member Growth Rate: Top 5.9% in tier
  • + Total Loans: Top 8.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 18.8% in tier
  • - Indirect Auto Dependency: Bottom 22.2% in tier
  • - ROA 0.43% below tier average
  • - Efficiency ratio 4.64% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 306,153
+7.8% YoY+0.3% QoQ
 +16.4K 289,724
-2.8% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 53rd in tier
Assets $6.4B
+8.8% YoY+0.9% QoQ
 +$596.5M $5.8B
+0.2% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 Top 20.6% in tier
Loans $5.1B
+5.4% YoY+0.4% QoQ
 +$1.1B $4.1B
-3.1% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 Top 11.8% in tier
Deposits $5.4B
+14.2% YoY+1.4% QoQ
 +$535.9M $4.9B
+2.2% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 Top 20.6% in tier
ROA 0.4%
-16.9% YoY+33.2% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 Bottom 8.8% in tier
NIM 3.1%
-1.6% YoY-0.0% QoQ
 +0.2% 2.9%
+3.9% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 56th in tier
Efficiency Ratio 72.8%
+7.2% YoY-2.3% QoQ
 +4.6% 68.1%
-1.7% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 74th in tier
Delinquency Rate 0.4%
-32.7% YoY+4.6% QoQ
 -0.2 0.6%
-2.2% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 32nd in tier
Loan To Share 94.8%
-7.7% YoY-0.9% QoQ
 +11.2% 83.6%
-5.7% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 74th in tier
AMR $34,516
+1.8% YoY+0.6% QoQ
 +$118 $34,398
+4.0% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 19.3%
-2.9% YoY-0.9% QoQ
 -9.6% 28.9%
-1.3% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 Bottom 14.1% in tier
Indirect Auto % 20.8%
+6.7% YoY-1.0% QoQ
 +4.2% 16.6%
-10.3% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 62nd in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#23 of 50 • Top 14.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.75%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.37%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 20.76%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Emerging Performer

growth
#16 of 31 • Top 17.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.37%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 7.75%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY | Rank improving

Relationship Depth Leader

growth
#22 of 46 • Top 18.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.85%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.6K
(Tier: $3.2K, National: $2.0K)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#38 of 46 • Top 31.6% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.85%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk
#17 of 32 • Bottom 18.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.82%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 5.42%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#23 of 33 • Bottom 22.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.84%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 20.76%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.75%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 34 peers in tier

Top Strengths (9 metrics)

3
Member Growth Rate
growth
Value: 7.75%
Peer Avg: 3.26%
#3 of 34 Top 5.9% in 5B-7B tier
4
Total Loans
balance_sheet
Value: $5.14B
Peer Avg: $4.08B
#4 of 34 Top 8.8% in 5B-7B tier
5
Share Certificate Concentration (%)
balance_sheet
Value: 19.25%
Peer Avg: 30.59%
#5 of 34 Top 11.8% in 5B-7B tier
6
Deposit Growth Rate
growth
Value: 14.17%
Peer Avg: 8.13%
#6 of 34 Top 14.7% in 5B-7B tier
7
Total Assets
balance_sheet
Value: $6.39B
Peer Avg: $5.79B
#7 of 34 Top 17.6% in 5B-7B tier
7
Total Deposits
balance_sheet
Value: $5.42B
Peer Avg: $4.89B
#7 of 34 Top 17.6% in 5B-7B tier
9
Asset Growth Rate
growth
Value: 8.84%
Peer Avg: 6.10%
#9 of 34 Top 23.5% in 5B-7B tier
9
Loan-to-Share Ratio
balance_sheet
Value: 94.82%
Peer Avg: 83.64%
#9 of 34 Top 23.5% in 5B-7B tier
9
Loan-to-Member Ratio (LMR)
engagement
Value: $16,799
Peer Avg: $15,308
#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (2 metrics)

31
Return on Assets (ROA)
profitability
Value: 0.37%
Peer Avg: 0.80%
#31 of 34 Bottom 11.8% in 5B-7B tier
31
Members Per Employee (MPE)
engagement
Value: 297.814
Peer Avg: 430.688
#31 of 34 Bottom 11.8% in 5B-7B tier