Clarity Credit Union


Overview / Commentary
208-467-6583
1822 N Midland Blvd
Nampa, ID 83651

Clarity Credit Union is headquartered in Nampa and is the 17th largest credit union in the state of Idaho. It is also the 1,849th largest credit union in the nation. It was established in 1948 and as of December of 2018, it had grown to 42 employees and 14,759 members at 6 locations. Clarity Credit Union's CD rates are 96% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Clarity CU is open to the residents, people that maintain employment, church members, and registered students within these Idaho Counties; Ada, Boise, Canyon, Gem, Payette, and Valley as well as the immediate family members of current CU members.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Clarity Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #68295
Year Chartered1948
Employees42
Primary Regulator
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD16.66%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$77.9MM$71.3MM
LoansQ4 2018vs Q4 2017$50.2MM$48.7MM
DepositsQ4 2018vs Q4 2017$70.2MM$64.6MM
Equity CapitalQ4 2018vs Q4 2017$6.5MM$5.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$695.00K$995.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$353.00K$473.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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Clarity Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$5-Regular Share Account
0.15%$5-PeeWee Savings Account
0.15%$50-Medical Savings Account

Clarity Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$5$2.5k1 Year Vacation Club Certificate
3.00%$5$2.5k1 Year Holiday Club Certificate
2.27%$10k-2 Year Share Certificate
1.76%$5k-1 Year Share Certificate
0.20%$500-6 Month Share Certificate
0.15%$100-1 Year Small Saver Certificate
Locations


Clarity Credit Union Locations
Branch Office555 N Meridian RdMeridian, ID 83642-2757
Branch Office3 W Main STMiddleton, ID 83644
Branch Office805 Cleveland BlvdCaldwell, ID 83605-4150
Branch Office1115 Albany St Rm 132Caldwell, ID 83605-3522
Branch Office1822 N Midland BlvdNampa, ID 83651
Branch Office145 S Washington AveEmmett, ID 83617-2947

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