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Not Federally Insured
355 S 3rd Street
Boise, ID 83702

ESA Credit Union is headquartered in BOISE and is the 39th largest credit union in the state of Idaho. It is also the 5,101st largest credit union in the nation. It was established in 1940 and as of December of 2013, it had grown to 3 employees and 1,887 members. ESA Credit Union has a B health rating.

Field of Membership Restrictions

ESA Credit Union’s field of membership includes employees of all state agencies not currently served by a specific agency-related credit union; Boise Downtown Association members and their employees; Ada County Courthouse employees; Downtown Winco employees. Retirees and relatives by blood or marriage also qualify for membership. - 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. ESA Credit Union has a very 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 ESA Credit Union had $1,000 in non-current loans and owned real-estate with $564,000 in equity and loan loss allowances on hand to cover it. This gives ESA Credit Union a Texas Ratio of 0.18% 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 ESA Credit Union decreased dramatically from 2.54% as of December 31, 2012 to 0.18% as of December 31, 2013, resulting in a positive change of 93.01%.This indicates that the balance sheet and financial strength for ESA Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, ESA Credit Union has increased its total deposits by $274,000, resulting in 5.45% 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 ESA 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. ESA Credit Union has $5.9 million in assets with $564,000 in equity, resulting in a capitalization level of 9.56%, which is above average.

Institution Statistics

NCUA #82514
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$5.90 million
Loans$2.33 million
Deposits$5.31 million
Equity Capital$535,000
Loan Loss Allowance$29,000
Unbacked Noncurrent Loans$1,000
Real Estate Owned$0
Historic Data - December 2012
Assets$5.59 million
Equity Capital$542,000
Loan Loss Allowance$49,000
Unbacked Noncurrent Loans$1,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin7.12%
Return on Assets-0.12%
Return on Equity-1.31%
Interest Income$196,000
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ESA Credit Union Savings Account Rates

0.10%--IRA Savings
0.10%--Roth IRA Savings
0.10%--Education IRA Savings
0.05%--Medical Savings
0.05%--Christmas Club

ESA Credit Union CD Rates

0.30%$500-18 Month CD
0.25%$500-12 Month CD
0.15%$500-6 Month CD

ESA Credit Union IRA Rates

0.30%$500-18 Month IRA
0.25%$500-12 Month IRA

ESA Credit Union Locations
Branch Office208 W JEFFERSON STBoise, ID 83702
Branch Office355 S 3RD ST STE BBOISE, ID 83702-7689