Idaho Advantage Credit Union

Idaho Advantage Credit Union is headquartered in Boise and is the 16^st largest credit union in the state of Idaho. It is also the 2,046^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 17 employees and 6,351 members. Idaho Advantage Credit Union has a 5-star health rating.

Idaho Advantage Credit Union Routing Number: 324172546

Idaho Advantage Credit Union Checking Account Rates

Idaho Advantage Credit Union Savings Account Rates

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Idaho Advantage Credit Union CD Rates

Data for Q4 2011

Institution Statistics IDAHO ADVANTAGE NCUA # 68566 BankRate Report View Year Chartered 1938 Employees 17 Primary Regulator Assets and Liabilities Assets $58.16 million Loans $22.51 million Deposits $53.37 million Equity Capital $4.46 million Loan Loss Allowance $160,000 Unbacked Noncurrent Loans $303,000 Historic Data - December 2010 Assets $52.63 million Equity Capital $4.28 million Loan Loss Allowance $175,000 Unbacked Noncurrent Loans $91,000 Profit Margin - Quarterly Net Interest Margin 5.22% Return on Assets 0.31% Return on Equity 4.02% Interest Income $1.91 million Non-Interest Income $699,000

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 Idaho Advantage Credit Union had $303,000 in non-current loans and owned real-estate with $4.62 million in equity and loan loss allowances on hand to cover it. This gives Idaho Advantage Credit Union a Texas Ratio of 6.56% 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 Idaho Advantage Credit Union held steady from 2.04% as of December 31, 2010 to 6.56% as of December 31, 2011, resulting in a negative change of 221.14%. This indicates that the balance sheet and financial strength for Idaho Advantage Credit Union has held steady in recent periods. Deposit Growth In the past year, Idaho Advantage Credit Union has increased its total deposits by $5.18 million, resulting in 10.76% 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 Idaho Advantage 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. Idaho Advantage Credit Union has $58.16 million in assets with $4.62 million in equity, resulting in a capitalization level of 7.94%, which is below average.

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