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Overview / Commentary
901 W Riverside Ave
Spokane, WA 99201

Spokane Media Credit Union is headquartered in Spokane and is the 92nd largest credit union in the state of Washington. It is also the 4,421st largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 4 employees and 1,230 members. Spokane Media Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee of one of the several select groups comprised of primarily media related organizations. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Spokane Media Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Spokane Media Credit Union had $21,000 in non-current loans and owned real-estate with $797,000 in equity and loan loss allowances on hand to cover it. This gives Spokane Media Credit Union a Texas Ratio of 2.63% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Spokane Media Credit Union experienced no significant changes from 1.13% as of December 31, 2012 to 2.63% as of December 31, 2013, resulting in a negative change of 133.33%. This indicates that the balance sheet and financial strength for Spokane Media Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Spokane Media Credit Union has decreased its total deposits by $-609,000, resulting in -5.95% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Spokane Media Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Spokane Media Credit Union has $10.4 million in assets with $797,000 in equity, resulting in a capitalization level of 7.66%, which is below average.

Institution Statistics

NCUA #24451
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$10.40 million
Loans$6.36 million
Deposits$9.63 million
Equity Capital$778,000
Loan Loss Allowance$19,000
Unbacked Noncurrent Loans$21,000
Real Estate Owned$0
Historic Data - December 2012
Assets$11.01 million
Equity Capital$774,000
Loan Loss Allowance$23,000
Unbacked Noncurrent Loans$21,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.22%
Return on Assets0.03%
Return on Equity0.39%
Interest Income$365,000
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Spokane Media Credit Union Savings Account Rates

0.30%--Holiday Club
0.10%--Regular Savings

Spokane Media Credit Union CD Rates

0.25%$1k-180 Day CD
0.25%$1k-1 Year CD

Spokane Media Credit Union IRA Rates

0.30%$1k-1 Year IRA

Spokane Media Credit Union Locations
Branch Office9001 E Euclid AveSpokane Valley, WA 99212
Branch Office901 W Riverside AveSpokane, WA 992011006