Credit union · NCUA insured
Numerica Credit Union
A $4.3B credit union, the 113th largest of 4,329, headquartered in Spokane Valley, WA, with 178,219 members and 24 branches in 2 states. Best rates: CDs 4.25% and savings 0.10% APY.
Numerica Credit Union Carrot Score
83
Carrot Score
Higher than 64% of U.S. banks and credit unions
#9 of 27 in Spokane, WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Numerica Credit Union
Founded in 1937, Numerica Credit Union is a member-owned credit union headquartered in Spokane Valley, Washington.
Originally formed by local railroad workers pooling savings, Numerica now serves shared communities across Spokane, North Idaho, Tri-Cities, and the Wenatchee Valley.
- Headquarters
- 14610 E Sprague Ave, Spokane Valley, WA 99216
- NCUA charter
- 66841
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to anyone who lives, works, or worships in North Idaho.
- Eligibility is open to anyone who lives, works, or worships in Washington state.
Family and household
- Eligibility is open to individuals who are related to or live with someone who is eligible.
Cost to join
- There is no membership fee to join Numerica Credit Union.
Branches
24 branches in 2 states
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Washington
19 branches
Spokane area · 11
- Airway Heights1210 S Hayford Rd, Airway Heights, WA 99001Directions
- Liberty Lake21951 E Country Vista Dr, Liberty Lake, WA 99019Directions
- Downtown502 W Riverside Ave Ste 100, Spokane, WA 99201Directions
- Five Mile6281 N Maple St, Spokane, WA 99205Directions
- Lyons303 E Lyons Ave, Spokane, WA 99208Directions
- Regal4911 S Regal St, Spokane, WA 99223Directions
- South Hill2202 E 29th Ave, Spokane, WA 99203Directions
- Wandermere405 E Farwell Rd, Spokane, WA 99218Directions
- Sprague4909 E Sprague Ave, Spokane Valley, WA 99212Directions
- Sullivan722 N Sullivan Rd, Spokane Valley, WA 99037Directions
- U-City10618 E Sprague Ave, Spokane Valley, WA 99206Directions
Kennewick area · 6
- Gage8551 W Gage Blvd, Suites E and F, Kennewick, WA 99336Directions
- Kennewick3115 W Kennewick Ave, Kennewick, WA 99336Directions
- Southridge4898 W Hildebrand Blvd Ste A120, Kennewick, WA 99338Directions
- Court Street2307 W Court St, Pasco, WA 99301Directions
- Pasco4845 Broadmoor Blvd, Pasco, WA 99301Directions
- Richland3045 Duportail St, Richland, WA 99352Directions
Wenatchee area · 2
- East Wenatchee477 Grant Rd, East Wenatchee, WA 98802Directions
- Wenatchee812 N Wenatchee Ave, Wenatchee, WA 98801Directions
Idaho
5 branches
Coeur d'Alene area · 4
- Coeur d'Alene465 W Bosanko Ave, Coeur d'Alene, ID 83815Directions
- North Idaho Business Office1250 W Ironwood Dr Ste 102, Coeur d'Alene, ID 83814Directions
- Hayden8370 N Cornerstone Dr, Hayden, ID 83835Directions
- Post Falls775 N Highway 41 Ste 4B, Post Falls, ID 83854Directions
Sandpoint area · 1
- Sandpoint200 Bonner Mall Way, Ponderay, ID 83852Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.03% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.35% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.01% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $96 | $88 | — |
- CapitalNet worth ratio12.03%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.35%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.01%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$96Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Numerica Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.