Institution Statistics
| IDAHO UNITED | | NCUA # | 68361 | | BankRate Report | View | | Year Chartered | 1978 | | Employees | 10 | | Primary Regulator | |
Assets and Liabilities | | Assets | $26.06 million | | Loans | $18.10 million | | Deposits | $24.23 million | | Equity Capital | $1.79 million | | Loan Loss Allowance | $71,000 | | Unbacked Noncurrent Loans | $31,000 |
Historic Data - December 2010 | | Assets | $25.80 million | | Equity Capital | $1.58 million | | Loan Loss Allowance | $26,000 | | Unbacked Noncurrent Loans | $83,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.51% | | Return on Assets | 0.8% | | Return on Equity | 11.66% | | Interest Income | $1.22 million | | Non-Interest Income | $386,000 |
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Institution Health
Overall Score:
4 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 United Credit Union had $31,000 in non-current loans and owned real-estate with $1.86 million in equity and loan loss allowances on hand to cover it. This gives Idaho United Credit Union a Texas Ratio of 1.66% 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 United Credit Union decreased significantly from 5.16% as of December 31, 2010 to 1.66% as of December 31, 2011, resulting in a positive change of 67.76%.This indicates that the balance sheet and financial strength for Idaho United Credit Union has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Idaho United Credit Union has increased its total deposits by $77,000, resulting in 0.32% 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 United Credit Union has shown is average. | | 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 United Credit Union has $26.06 million in assets with $1.86 million in equity, resulting in a capitalization level of 7.15%, which is below average. |
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