Boise U S Employees Credit Union

Boise U S Employees Credit Union is headquartered in Boise and is the 21^st largest credit union in the state of Idaho. It is also the 2,411^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 10 employees and 5,843 members. Boise U S Employees Credit Union has a 5-star health rating.

Boise U S Employees Credit Union Checking Account Rates

Boise U S Employees Credit Union Savings Account Rates

Boise U S Employees Credit Union CD Rates

Data for Q4 2011

Institution Statistics BOISE U S EMPLOYEES NCUA # 554 BankRate Report View Year Chartered 1935 Employees 10 Primary Regulator Assets and Liabilities Assets $44.01 million Loans $8.07 million Deposits $37.93 million Equity Capital $5.99 million Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $20,000 Historic Data - December 2010 Assets $42.35 million Equity Capital $6.20 million Loan Loss Allowance $30,000 Unbacked Noncurrent Loans $64,000 Profit Margin - Quarterly Net Interest Margin 5.53% Return on Assets -0.48% Return on Equity -3.52% Interest Income $906,000 Non-Interest Income $241,000

Institution Health Overall Score: 5 out of 5 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, 2011 Boise U S Employees Credit Union had $20,000 in non-current loans and owned real-estate with $6.01 million in equity and loan loss allowances on hand to cover it. This gives Boise U S Employees Credit Union a Texas Ratio of 0.33% 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 Boise U S Employees Credit Union decreased significantly from 1.03% as of December 31, 2010 to 0.33% as of December 31, 2011, resulting in a positive change of 67.61%.This indicates that the balance sheet and financial strength for Boise U S Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Boise U S Employees Credit Union has increased its total deposits by $1.86 million, resulting in 5.15% 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. Capitalization 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 $44.01 million in assets with $6.01 million in equity, resulting in a capitalization level of 13.66%, which is excellent.

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