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Overview / Commentary
7906 W Marigold St
Garden City, ID 83714

Les Bois Credit Union is headquartered in Garden City and is the 13st largest credit union in the state of Idaho. It is also the 1,637th largest credit union in the nation. It was established in 1955 and as of March of 2014, it had grown to 46 employees and 9,811 members. Les Bois Credit Union has a C health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in the city of Boise, Garden City or Boise County, Idaho. - See Details

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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. Les Bois 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 Les Bois Credit Union had $2.52 million in non-current loans and owned real-estate with $7.86 million in equity and loan loss allowances on hand to cover it. This gives Les Bois Credit Union a Texas Ratio of 32.04% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Les Bois Credit Union increased slightly from 20.60% as of March 31, 2013 to 32.04% as of March 31, 2014, resulting in a negative change of 55.57%. This indicates that the balance sheet and financial strength for Les Bois Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Les Bois Credit Union has increased its total deposits by $182,000, resulting in 0.23% 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 Les Bois Credit Union has shown is above 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. Les Bois Credit Union has $89.07 million in assets with $7.86 million in equity, resulting in a capitalization level of 8.82%, which is average.

Institution Statistics

NCUA #68621
Year Chartered1955
Primary Regulator
Assets and Liabilities
Assets$89.07 million
Loans$59.83 million
Deposits$80.53 million
Equity Capital$7.19 million
Loan Loss Allowance$670,000
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$195,000
Historic Data - March 2013
Assets$88.05 million
Equity Capital$7.05 million
Loan Loss Allowance$1.01 million
Unbacked Noncurrent Loans$2.32 million
Real Estate Owned$470,000
Profit Margin - Quarterly
Net Interest Margin1.04%
Return on Assets0.13%
Return on Equity1.67%
Interest Income$679,000

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Les Bois Credit Union Locations
Branch Office292 Village CirGarden Valley, ID 83622
Branch Office206 West Main StCascade, ID 83611
Branch Office123 McClure AveNampa, ID 83651
Branch Office7906 W Marigold StGarden City, ID 83714
Branch Office393 S 3rd StBoise, ID 83702