Civic Intelligence

Spokane Teachers Credit Union

EIN 91-0565128 • 501(c)14 • Liberty Lake, WA

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Profile

STCU is committed to maximizing the value of every financial relationship through cost-effective financial services consistent with cooperative principles, applicable legislation, and prudent management. STCU serves 177,370 members as of 12/31/14.

1620 N Signal DriveLiberty Lake, WA 99019

www.stcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

67th percentile

0.92x

Higher debt load relative to assets than 67% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

56th percentile

15.57x

Higher debt load relative to revenue than 56% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

8th percentile

1.2%

Higher net margin than 8% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

78th percentile

$1,534,719

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

501(c)14 • $1B+ nonprofits • Source year 2024

Asset Growth

35th percentile

0.9%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

35th percentile

13%

Faster revenue growth than 35% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$5,841,118,982

Up $52,844,304 (+0.9%) from 2023

Liabilities

Up

$5,346,175,718

Up $48,027,050 (+0.9%) from 2023

Net Assets

Up

$494,943,264

Up $4,817,254 (+1.0%) from 2023

Operations
Liabilities / Revenue56th percentileNet Margin8th percentile

Revenue

Up

$343,405,605

Up $39,266,776 (+13%) from 2023

Expenses

Up

$339,361,008

Up $80,490,609 (+31%) from 2023

Net Income

Down

$4,044,597

Down $41,223,833 (-91%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$6.0B$4.0B$2.0B$0Assets 2010: $1,459,830,087Liabilities 2010: $1,315,433,357Net Assets 2010: $144,396,7302010Assets 2011: $1,593,930,868Liabilities 2011: $1,430,031,486Net Assets 2011: $163,899,3822011Assets 2012: $1,712,656,795Liabilities 2012: $1,526,866,068Net Assets 2012: $185,790,7272012Assets 2013: $1,845,568,779Liabilities 2013: $1,647,185,142Net Assets 2013: $198,383,6372013Assets 2014: $2,018,708,573Liabilities 2014: $1,798,742,877Net Assets 2014: $219,965,6962014Assets 2015: $2,217,961,422Liabilities 2015: $1,974,799,636Net Assets 2015: $243,161,7862015Assets 2016: $2,488,381,978Liabilities 2016: $2,223,509,458Net Assets 2016: $264,872,5202016Assets 2017: $2,739,031,927Liabilities 2017: $2,453,483,091Net Assets 2017: $285,548,8362017Assets 2018: $2,986,315,665Liabilities 2018: $2,669,350,185Net Assets 2018: $316,965,4802018Assets 2019: $3,290,019,279Liabilities 2019: $2,937,916,749Net Assets 2019: $352,102,5302019Assets 2020: $4,092,963,002Liabilities 2020: $3,703,062,055Net Assets 2020: $389,900,9472020Assets 2021: $4,949,789,010Liabilities 2021: $4,497,927,463Net Assets 2021: $451,861,5472021Assets 2022: $5,625,825,339Liabilities 2022: $5,183,529,011Net Assets 2022: $442,296,3282022Assets 2023: $5,788,274,678Liabilities 2023: $5,298,148,668Net Assets 2023: $490,126,0102023Assets 2024: $5,841,118,982Liabilities 2024: $5,346,175,718Net Assets 2024: $494,943,2642024

Highlighted filing

2024

Assets$5,841,118,982
Liabilities$5,346,175,718
Net Assets$494,943,264
Open 2024 Filing

Operations Trend

Revenue Growth35th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400M$300M$200M$100M$0Expenses 2010: $75,829,5442010Expenses 2011: $71,471,8972011Expenses 2012: $70,030,1182012Revenue 2013: $90,304,905Expenses 2013: $73,810,606Net Income 2013: $16,494,2992013Revenue 2014: $94,972,862Expenses 2014: $76,152,533Net Income 2014: $18,820,3292014Revenue 2015: $101,970,543Expenses 2015: $78,353,185Net Income 2015: $23,617,3582015Revenue 2016: $114,231,086Expenses 2016: $92,730,171Net Income 2016: $21,500,9152016Revenue 2017: $127,204,931Expenses 2017: $107,745,256Net Income 2017: $19,459,6752017Revenue 2018: $146,506,367Expenses 2018: $114,585,858Net Income 2018: $31,920,5092018Revenue 2019: $160,340,375Expenses 2019: $128,168,354Net Income 2019: $32,172,0212019Revenue 2020: $177,658,799Expenses 2020: $143,453,247Net Income 2020: $34,205,5522020Revenue 2021: $204,900,448Expenses 2021: $145,798,494Net Income 2021: $59,101,9542021Revenue 2022: $238,014,215Expenses 2022: $178,994,388Net Income 2022: $59,019,8272022Revenue 2023: $304,138,829Expenses 2023: $258,870,399Net Income 2023: $45,268,4302023Revenue 2024: $343,405,605Expenses 2024: $339,361,008Net Income 2024: $4,044,5972024

Highlighted filing

2024

Revenue$343,405,605
Expenses$339,361,008
Net Income$4,044,597
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$5,841,118,982
Liabilities
$5,346,175,718
Net assets
$494,943,264
Revenue
$343,405,605
Expenses
$339,361,008
Net income
$4,044,597
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5,841$5,346$495$343$339$4.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,788$5,298$490$304$259$45.3
2022Detailed filing. Detailed filing data is available for this year.$5,626$5,184$442$238$179$59.0
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,950$4,498$452$205$146$59.1
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4,093$3,703$390$178$143$34.2
2019Detailed filing. Detailed filing data is available for this year.$3,290$2,938$352$160$128$32.2
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,986$2,669$317$147$115$31.9
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,739$2,453$286$127$108$19.5
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,488$2,224$265$114$92.7$21.5
2015Detailed filing. Detailed filing data is available for this year.$2,218$1,975$243$102$78.4$23.6
2014Detailed filing. Detailed filing data is available for this year.$2,019$1,799$220$95.0$76.2$18.8
2013Detailed filing. Detailed filing data is available for this year.$1,846$1,647$198$90.3$73.8$16.5
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,713$1,527$186$70.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,594$1,430$164$71.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,460$1,315$144$75.8