Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
303 Main Street
Kamiah, ID 83536

Kamiah Community Credit Union is headquartered in Kamiah and is the 17st largest credit union in the state of Idaho. It is also the 2,157th largest credit union in the nation. It was established in 1963 and as of March of 2014, it had grown to 15 employees and 5,397 members. Kamiah Community Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a resident of Lewis or Idaho County. - See Details

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

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. Kamiah Community Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Kamiah Community Credit Union had $377,000 in non-current loans and owned real-estate with $6.86 million in equity and loan loss allowances on hand to cover it. This gives Kamiah Community Credit Union a Texas Ratio of 5.49% 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 Kamiah Community Credit Union experienced no significant changes from 3.23% as of March 31, 2013 to 5.49% as of March 31, 2014, resulting in a negative change of 70.29%. This indicates that the balance sheet and financial strength for Kamiah Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Kamiah Community Credit Union has increased its total deposits by $2.31 million, resulting in 4.85% 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 Kamiah Community Credit Union has shown is excellent.



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. Kamiah Community Credit Union has $57.33 million in assets with $6.86 million in equity, resulting in a capitalization level of 11.97%, which is excellent.

Institution Statistics

NCUA #65722
Year Chartered1963
Primary Regulator
Assets and Liabilities
Assets$57.33 million
Loans$40.08 million
Deposits$49.82 million
Equity Capital$6.78 million
Loan Loss Allowance$87,000
Unbacked Noncurrent Loans$314,000
Real Estate Owned$63,000
Historic Data - March 2013
Assets$53.78 million
Equity Capital$5.81 million
Loan Loss Allowance$113,000
Unbacked Noncurrent Loans$314,000
Real Estate Owned$20,000
Profit Margin - Quarterly
Net Interest Margin1.49%
Return on Assets1.93%
Return on Equity16.3%
Interest Income$640,000

Sorry, we do not have rate data for Kamiah Community Credit Union


Kamiah Community Credit Union Locations
Branch Office201 Rivers LoopKooskia, ID 83539
Branch Office303 Main StreetKamiah, ID 83536