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P.O. Box 8026
Boise, ID 83707

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.

Field of Membership Restrictions

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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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Boise U S Employees Credit Union has a relatively low asset base.

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, 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.

Deposit Growth


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.

Institution Statistics

NCUA #554
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$50.26 million
Loans$9.01 million
Deposits$44.51 million
Equity Capital$5.62 million
Loan Loss Allowance$20,000
Real Estate Owned$0
Historic Data - December 2012
Assets$47.05 million
Equity Capital$5.77 million
Loan Loss Allowance$40,000
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.54%
Return on Assets0.05%
Return on Equity0.48%
Interest Income$914,000
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Boise U S Employees Credit Union Savings Account Rates

0.20%$25-IRA Account
0.10%$25-Dividend Plus Account
0.05%$25-Share Account
0.05%$25-MSA Shares Account
0.01%$25-MSA Share Draft Checking Account

Boise U S Employees Credit Union Checking Account Rates

0.01%$25-Share Draft Checking Account

Boise U S Employees Credit Union CD Rates

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 Office550 W Fort St Rm 393Boise, ID 83724-0101
Branch Office910 N Orchard StBoise, ID 83706-2156
Branch Office2201 S Cole RdBoise, ID 83708-0100