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P.O. Box 2268
Boise, ID 83701

Idaho United Credit Union is headquartered in Boise and is the 25th largest credit union in the state of Idaho. It is also the 3,073rd largest credit union in the nation. It was established in 1978 and as of December of 2013, it had grown to 10 employees and 5,285 members. Idaho United Credit Union has a B health rating.

Field of Membership Restrictions

Must reside or work in Idaho Legislative Districts 14, 15, 16 or 19. Also open to employees of Idaho Power Company, United Water Company, City of Meridian, Meadow Gold Dairies, Blue Cross of Idaho, Roaring Springs, Regence BlueShield of Idaho, Hubble Group and Oriental Lodge. - See Details

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Data for Q4 2013

Institution Health

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

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, 2013 Idaho United Credit Union had $63,000 in non-current loans and owned real-estate with $2.26 million in equity and loan loss allowances on hand to cover it. This gives Idaho United Credit Union a Texas Ratio of 2.79% 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 slightly from 3.74% as of December 31, 2012 to 2.79% as of December 31, 2013, resulting in a positive change of 25.55%.This indicates that the balance sheet and financial strength for Idaho United Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Idaho United Credit Union has decreased its total deposits by $-306,000, resulting in -1.22% 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.



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 $27.15 million in assets with $2.26 million in equity, resulting in a capitalization level of 8.33%, which is average.

Institution Statistics

NCUA #68361
Year Chartered1978
Primary Regulator
Assets and Liabilities
Assets$27.15 million
Loans$19.66 million
Deposits$24.78 million
Equity Capital$2.15 million
Loan Loss Allowance$110,000
Unbacked Noncurrent Loans$63,000
Real Estate Owned$0
Historic Data - December 2012
Assets$27.33 million
Equity Capital$2.14 million
Loan Loss Allowance$57,000
Unbacked Noncurrent Loans$63,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.45%
Return on Assets0.06%
Return on Equity0.74%
Interest Income$1.10 million
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Idaho United Credit Union Savings Account Rates

0.15%$5k-Regular Savings Account
0.10%--Christmas Club Account
0.10%--Vacation Club Account
0.10%--Individual Retirement Account

Idaho United Credit Union Locations
Branch Office333 N 13TH STBoise, ID 83702-5617
Branch Office3103 E Saint Lukes STMeridian, ID 83642