Idaho Central Credit Union

Idaho Central Credit Union is headquartered in Chubbuck and is the largest credit union in the state of Idaho. It is also the 181^st largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 304 employees and 106,129 members. Idaho Central Credit Union's money market rates are 25% higher than the national average, and it boasts a 5-star health rating.

Idaho Central Credit Union Routing Number: 324173626

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Data for Q4 2011

Institution Statistics IDAHO CENTRAL NCUA # 63194 BankRate Report View Year Chartered 1940 Employees 304 Primary Regulator Assets and Liabilities Assets $1.01 billion Loans $885.89 million Deposits $907.76 million Equity Capital $89.11 million Loan Loss Allowance $6.27 million Unbacked Noncurrent Loans $3.29 million Historic Data - December 2010 Assets $865.52 million Equity Capital $73.80 million Loan Loss Allowance $5.34 million Unbacked Noncurrent Loans $3.19 million Real Estate Owned $247,000 Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 1.52% Return on Equity 17.26% Interest Income $38.53 million Non-Interest Income $20.24 million

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 Central Credit Union had $3.29 million in non-current loans and owned real-estate with $95.38 million in equity and loan loss allowances on hand to cover it. This gives Idaho Central Credit Union a Texas Ratio of 3.45% 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 Central Credit Union decreased slightly from 4.34% as of December 31, 2010 to 3.45% as of December 31, 2011, resulting in a positive change of 20.63%.This indicates that the balance sheet and financial strength for Idaho Central Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Idaho Central Credit Union has increased its total deposits by $127.46 million, resulting in 16.33% 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 Central 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 Central Credit Union has $1.01 billion in assets with $95.38 million in equity, resulting in a capitalization level of 9.43%, which is average.

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