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Not Federally Insured
P.O. Box 216
St Maries, ID 83861

St Joe Valley Credit Union is headquartered in ST MARIES and is the 37th largest credit union in the state of Idaho. It is also the 4,910st largest credit union in the nation. It was established in 1959 and as of December of 2013, it had grown to 2 employees and 1,300 members. St Joe Valley Credit Union has a C+ health rating.

Field of Membership Restrictions

All people living in or employed within a radius of 35 miles of the city of St. Maries, their immediate families, all military personnel having their permanent residence within the service area and their immediate families, business address located within the membership area, and organizations of such persons. - 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. St Joe Valley Credit Union has a very 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 St Joe Valley Credit Union had $31,000 in non-current loans and owned real-estate with $450,000 in equity and loan loss allowances on hand to cover it. This gives St Joe Valley Credit Union a Texas Ratio of 6.89% 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 St Joe Valley Credit Union decreased slightly from 9.53% as of December 31, 2012 to 6.89% as of December 31, 2013, resulting in a positive change of 27.75%.This indicates that the balance sheet and financial strength for St Joe Valley Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, St Joe Valley Credit Union has decreased its total deposits by $-267,000, resulting in -3.93% 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 St Joe Valley Credit Union has shown is below 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. St Joe Valley Credit Union has $6.99 million in assets with $450,000 in equity, resulting in a capitalization level of 6.44%, which is below average.

Institution Statistics

NCUA #97066
Year Chartered1959
Primary Regulator
Assets and Liabilities
Assets$6.99 million
Loans$2.55 million
Deposits$6.52 million
Equity Capital$409,000
Loan Loss Allowance$41,000
Unbacked Noncurrent Loans$31,000
Real Estate Owned$0
Historic Data - December 2012
Assets$7.36 million
Equity Capital$401,000
Loan Loss Allowance$50,000
Unbacked Noncurrent Loans$31,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.33%
Return on Assets0.11%
Return on Equity1.96%
Interest Income$202,000
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St Joe Valley Credit Union Savings Account Rates

0.20%--Christmas Club
0.20%--IRA Share
0.20%--Medical Savings
0.20%--Vacation Club
0.01%--Regular Shares
0.01%--Super Saver Account

St Joe Valley Credit Union CD Rates

0.60%--60 Month CD
0.40%--48 Month CD
0.35%--36 Month CD
0.25%--24 Month CD

St Joe Valley Credit Union IRA Rates

0.20%$500-12 Month IRA

St Joe Valley Credit Union Locations
Branch Office129 S 9th StSt Maries, ID 83861