Clarity Credit Union

Overview / Commentary
1822 N Midland Blvd
Nampa, ID 83651

Clarity Credit Union is headquartered in Meridian and is the 17th largest credit union in the state of Idaho. It is also the 1,765th largest credit union in the nation. It was established in 1948 and as of December of 2019, it had grown to 46 employees and 14,870 members at 6 locations. Clarity Credit Union has a B+ health rating.

Field of Membership Restrictions

Clarity Credit Union is open to those who live, work, worship, or go to school in Ada, Boise, Canyon, Gem, Payette or Valley counties in Idaho. Immediate family of current credit union members are also eligible to join.
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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

NCUA #68295
Year Chartered1948
Primary Regulator
Profit Margin
Return on Assets - YTD1.12%
Return on Equity - YTD12.89%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$87.1MM$77.9MM
LoansQ4 2019vs Q4 2018$54.1MM$50.2MM
DepositsQ4 2019vs Q4 2018$78.8MM$70.2MM
Equity CapitalQ4 2019vs Q4 2018$7.4MM$6.5MM
Loan Loss AllowanceQ4 2019vs Q4 2018$567.00K$695.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$384.00K$353.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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Clarity Credit Union Savings Account Rates

0.08%$5-Regular Share Account
0.08%$5-PeeWee Savings Account
0.08%$50-Medical Savings Account

Clarity Credit Union CD Rates

3.00%$5$2.5k1 Year Holiday Club Certificate
1.75%$5$2.5k1 Year Vacation Club Certificate
0.85%$10k-2 Year Share Certificate
0.70%$5k-1 Year Share Certificate
0.50%$500-6 Month Share Certificate

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 Office1822 N Midland BlvdNampa, ID 83651
Branch Office145 S Washington AveEmmett, ID 83617-2947
Corporate Office1880 S Cobalt Point Way Ste 100Meridian, ID 83642

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