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Overview / Commentary
800-882-6583
1822 N Midland Blvd
Nampa, ID 83651

Idadiv Credit Union is headquartered in Nampa and is the 18st largest credit union in the state of Idaho. It is also the 2,181st largest credit union in the nation. It was established in 1948 and as of March of 2014, it had grown to 36 employees and 13,015 members. Idadiv Credit Union's savings rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in Ada, Boise, Canyon, Gem, Payette, or Valley County. - See Details

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Health

Data for Q1 2014

Institution Health

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

Texas Ratio

GRADE:
A+

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 Idadiv Credit Union had $369,000 in non-current loans and owned real-estate with $5.32 million in equity and loan loss allowances on hand to cover it. This gives Idadiv Credit Union a Texas Ratio of 6.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Idadiv Credit Union experienced no significant changes from 3.49% as of March 31, 2013 to 6.94% as of March 31, 2014, resulting in a negative change of 98.80%. This indicates that the balance sheet and financial strength for Idadiv Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Idadiv Credit Union has increased its total deposits by $7.14 million, resulting in 16.66% 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 Idadiv Credit Union has shown is excellent.

Capitalization

GRADE:
B

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. Idadiv Credit Union has $55.86 million in assets with $5.32 million in equity, resulting in a capitalization level of 9.52%, which is above average.

Institution Statistics

Overall
NCUA #68295
Year Chartered1948
Employees36
Primary Regulator
Assets and Liabilities
Assets$55.86 million
Loans$38.18 million
Deposits$49.98 million
Equity Capital$5.02 million
Loan Loss Allowance$296,000
Unbacked Noncurrent Loans$369,000
Real Estate Owned$0
Historic Data - March 2013
Assets$47.74 million
Equity Capital$4.32 million
Loan Loss Allowance$203,000
Unbacked Noncurrent Loans$369,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.07%
Return on Equity0.8%
Interest Income$540,000
Rates
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Idadiv Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
2.00%--Holiday Club
0.10%--Regular Share Account
0.10%--PeeWee Savings Account
0.10%$50-Medical Savings Account

Idadiv Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.75%$10k-2 Year Share Certificate
0.45%$5k-1 Year Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$100-1 Year Small Saver Certificate

Idadiv Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
0.45%$100-1 Year IRA Certificate
Locations


Idadiv Credit Union Locations
Branch Office555 S Meridian RDMeridian, ID 83642
Branch Office3 W Main STMiddleton, ID 83644
Branch Office805 Cleveland BlvdCaldwell, ID 83605-4150
Branch Office1115 Albany St Rm 132Caldwell, ID 83605-3522
Branch Office1822 N Midland BlvdNampa, ID 83651