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P.O. Box 1865
Idaho Falls, ID 83403

East Idaho Credit Union is headquartered in Idaho Falls and is the 6th largest credit union in the state of Idaho. It is also the 779th largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 95 employees and 40,138 members. East Idaho Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to all employees of the above groups who reside in, work in, are headquartered in or are paid from the Idaho counties of Bonneville, Butte, Custer, Lemhi, Clark, Fremont, Madison, Teton, and Jefferson and within a 25 mile radius of the City of Shelley. Family members of eligible members of East Idaho Credit Union and persons retired as pensioners or annuitants from the above occupational categories are also eligible. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 East Idaho Credit Union had $737,000 in non-current loans and owned real-estate with $23.57 million in equity and loan loss allowances on hand to cover it. This gives East Idaho Credit Union a Texas Ratio of 3.13% 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 East Idaho Credit Union experienced no significant changes from 1.33% as of March 31, 2013 to 3.13% as of March 31, 2014, resulting in a negative change of 135.30%. This indicates that the balance sheet and financial strength for East Idaho Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, East Idaho Credit Union has decreased its total deposits by -$17.3 million, resulting in -6.9% 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 East Idaho Credit Union has shown is below average.



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. East Idaho Credit Union has $260.07 million in assets with $23.57 million in equity, resulting in a capitalization level of 9.06%, which is average.

Institution Statistics

NCUA #68376
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$260.07 million
Loans$124.83 million
Deposits$233.61 million
Equity Capital$22.55 million
Loan Loss Allowance$1.02 million
Unbacked Noncurrent Loans$603,000
Real Estate Owned$134,000
Historic Data - March 2013
Assets$280.03 million
Equity Capital$21.01 million
Loan Loss Allowance$1.79 million
Unbacked Noncurrent Loans$603,000
Real Estate Owned$89,000
Profit Margin - Quarterly
Net Interest Margin1.12%
Return on Assets-0.19%
Return on Equity-2.16%
Interest Income$1.63 million
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East Idaho Credit Union Savings Account Rates

0.05%--IRA Savings Account

East Idaho Credit Union CD Rates

0.45%$500-4 Year CD
0.45%$500-5 Year CD
0.35%$500-3 Year CD
0.25%$500-2 Year CD
0.15%$500-1 Year CD

East Idaho Credit Union Locations
Branch Office865 S Woodruff AveIdaho Falls, ID 83401-5296
Branch Office44 N Bridge StSaint Anthony, ID 83445-2129
Branch Office901 S US 93 HWY Suite AChallis, ID 83226
Branch Office777 Shoup StSalmon, ID 83467-4215
Branch Office227 W Main StDubois, ID 83423
Branch Office302 E Grand AveArco, ID 83213-5005
Branch Office3255 E 17th StAmmon, ID 83406-6758
Branch Office418 W Fir StShelley, ID 83274-1444
Branch Office412 GrandRexburg, ID 83440-2633
Branch Office1170 Science Center DrIdaho Falls, ID 834021506