Boise U S Employees Credit Union is headquartered in Boise and is the 20th largest credit union in the state of Idaho. It is also the 2,265th largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 9 employees and 5,072 members. Boise U S Employees Credit Union has a A health rating.
Must be a civilian employee of the United States Government or a member of the United States Armed Forces who work in Ada, Adams, Canyon, Valley or Washington County. - See Details
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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 Boise U S Employees Credit Union had $0 in non-current loans and owned real-estate with $5.64 million in equity and loan loss allowances on hand to cover it. This gives Boise U S Employees Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
In the past year, Boise U S Employees Credit Union has increased its total deposits by $3.31 million, resulting in 8.04% 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 Boise U S Employees Credit Union has shown is excellent.
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. Boise U S Employees Credit Union has $50.26 million in assets with $5.64 million in equity, resulting in a capitalization level of 11.22%, which is excellent.
|Assets and Liabilities|
|Equity Capital||$5.62 million|
|Loan Loss Allowance||$20,000|
|Real Estate Owned||$0|
|Historic Data - December 2012|
|Equity Capital||$5.77 million|
|Loan Loss Allowance||$40,000|
|Unbacked Noncurrent Loans||$0|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||4.54%|
|Return on Assets||0.05%|
|Return on Equity||0.48%|
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|0.15%||$25||-||Dividend Plus Account|
|0.05%||$25||-||MSA Shares Account|
|0.01%||$25||-||MSA Share Draft Checking Account|
|0.01%||$25||-||Share Draft Checking Account|
|0.20%||$500||-||3-5 Month Share Certificate|
|0.20%||$500||-||6-12 Month Share Certificate|
|0.20%||$500||-||13-17 Month Share Certificate|
|0.20%||$500||-||18 Month Share Certificate|
|Boise U S Employees Credit Union Locations|
|Branch Office||550 W Fort St Rm 393||Boise, ID 83724-0101|
|Branch Office||910 N Orchard St||Boise, ID 83706-2156|
|Branch Office||2201 S Cole Rd||Boise, ID 83708-0100|