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Idaho State University Credit Union

Overview / Commentary
888-847-8328
353 N 4th Suite 210
Pocatello, ID 83201

Idaho State University Credit Union is headquartered in POCATELLO and is the 10st largest credit union in the state of Idaho. It is also the 1,185th largest credit union in the nation. It was established in 1952 and as of December of 2013, it had grown to 64 employees and 19,357 members. Idaho State University Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee, student or alumni of the Idaho State University. Also open to employees of several southeastern Idaho school districts and other companies. - See Details

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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

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 Idaho State University Credit Union had $772,000 in non-current loans and owned real-estate with $13.73 million in equity and loan loss allowances on hand to cover it. This gives Idaho State University Credit Union a Texas Ratio of 5.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Idaho State University Credit Union decreased slightly from 6.81% as of December 31, 2012 to 5.62% as of December 31, 2013, resulting in a positive change of 17.40%.This indicates that the balance sheet and financial strength for Idaho State University Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, Idaho State University Credit Union has increased its total deposits by $4.04 million, resulting in 3.32% 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 State University 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. Idaho State University Credit Union has $139.37 million in assets with $13.73 million in equity, resulting in a capitalization level of 9.85%, which is above average.

Institution Statistics

Overall
NCUA #7776
Year Chartered1952
Employees64
Primary Regulator
Assets and Liabilities
Assets$139.37 million
Loans$109.66 million
Deposits$125.49 million
Equity Capital$13.47 million
Loan Loss Allowance$266,000
Unbacked Noncurrent Loans$772,000
Real Estate Owned$0
Historic Data - December 2012
Assets$134.00 million
Equity Capital$12.23 million
Loan Loss Allowance$608,000
Unbacked Noncurrent Loans$772,000
Real Estate Owned$224,000
Profit Margin - Quarterly
Net Interest Margin3.74%
Return on Assets0.68%
Return on Equity7.03%
Interest Income$4.84 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Idaho State University Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Idaho State University Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$25-Share Savings Account
0.15%$25-Benny Bengal Savings Account
0.15%$25-Christmas Club Account
0.15%$25-Medical Savings Account
0.15%$25-IRA Savings Account
0.15%$25-Coverdell Savings Account
0.05%$25-Share Life Savings Account

Idaho State University Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$2,500-Money Market Savings Account

Idaho State University Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.01%-$10kRewards Plus Checking Account
0.05%$25-Dividend Checking Account
0.05%$25-Senior Club Checking Account
0.05%--Rewards Plus Checking Account

Idaho State University Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.75%$500-60 Month Share Certificate
1.15%$500-48 Month Share Certificate
1.00%$500-36 Month Share Certificate
0.75%$500-30 Month Share Certificate
0.65%$500-24 Month Share Certificate
0.45%$500-18 Month Share Certificate
0.40%$500-12 Month Share Certificate
0.25%$500-6 Month Share Certificate
0.20%$500-3 Month Share Certificate

Idaho State University Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.75%$500-60 Month Share Certificate (Traditional,Roth)
1.15%$500-48 Month Share Certificate (Traditional,Roth)
1.00%$500-36 Month Share Certificate (Traditional,Roth)
0.75%$500-30 Month Share Certificate (Traditional,Roth)
0.65%$500-24 Month Share Certificate (Traditional,Roth)
0.45%$500-18 Month Share Certificate (Traditional,Roth)
0.40%$500-12 Month Share Certificate (Traditional,Roth)
0.25%$500-6 Month Share Certificate (Traditional,Roth)
0.20%$500-3 Month Share Certificate (Traditional,Roth)
Locations


Idaho State University Credit Union Locations
Branch Office353 N 4th Ave Ste 210Pocatello, ID 83201
Branch Office1321 Oakley Ave Ste 10Burley, ID 83318
Branch Office4914 Yellowstone AveChubbuck, ID 83202
Branch OfficeIdaho State University Pond Student Union Building Fl 2Pocatello, ID 83209
Branch Office1385 Fremont AveIdaho Falls, ID 83402
Branch Office58 N Broadway StBlackfoot, ID 83221
Branch Office707 S 9th AvePocatello, ID 83209
Branch Office202 W Alameda RdPocatello, ID 83201