Credit union · NCUA insured
Canopy Credit Union
A $222.2M credit union headquartered in Spokane, WA, with 13,443 members and 3 branches in Washington. Best rates: CDs 4.15% and savings 0.25% APY.
Canopy Credit Union Carrot Score
85
Carrot Score
Higher than 70% of U.S. banks and credit unions
#8 of 27 in Spokane, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Canopy Credit Union
Canopy Credit Union is a member-owned institution and certified Community Development Financial Institution (CDFI).
- Headquarters
- 601 W Mallon Ave, Spokane, WA 99201
- NCUA charter
- 11162
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Spokane, Pend Oreille, or Stevens County, Washington are eligible to join.
Employers and groups
- Individuals who belong to a partner association in Spokane, Pend Oreille, or Stevens County, Washington are eligible to join.
Branches
3 branches in Washington
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Washington
3 branches
- Canopy Credit UnionMain office601 W Mallon Ave, Spokane, WA 99201Directions
- Canopy Credit Union1212 W Francis Ave, Spokane, WA 99205Directions
- Canopy Credit Union13105 E Sprague Ave, Spokane Valley, WA 99216Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.86% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $92 | $76 | — |
- CapitalNet worth ratio9.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.86%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$92Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Canopy Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.