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Overview / Commentary
208-466-9455
421 11th Ave S
Nampa, ID 83651

Mountain Gem Credit Union is headquartered in Nampa and is the 25th largest credit union in the state of Idaho. It is also the 3,366th largest credit union in the nation. It was established in 1956 and as of December of 2017, it had grown to 10 employees and 3,261 members at 2 locations. Mountain Gem Credit Union's CD rates are 40% higher than the national average, but it has a C health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Gem, Canyon, Owyhee, Adams, Payette or Washington Counties in Idaho.
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Health
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. Mountain Gem Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #65858
Year Chartered1956
Employees10
Primary Regulator
Profit Margin
Return on Assets - YTD-0.08%
Return on Equity - YTD-1.02%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$20.4MM$20.6MM
LoansQ4 2017vs Q4 2016$17.6MM$17.5MM
DepositsQ4 2017vs Q4 2016$18.7MM$18.4MM
Equity CapitalQ4 2017vs Q4 2016$1.7MM$1.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$189.00K$175.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$294.00K$121.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mountain Gem Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$50k*-Member Bonus Accounts
OTHER TIERS: 0.10% $500 - $2,500 | 0.15% $2,500 - $10k | 0.25% $10k - $25k | 0.30% $25k - $50k
0.25%$100-Holiday Club Account
0.25%$25-Scottie Saver (Kids Account)
0.25%$25-Q-Club (Young Adults 14-24)
0.25%$100-IRA Passbook Account
0.05%$100-Regular Shares Account

Mountain Gem Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.12%$500-3 Year CD
1.51%$500-2 Year CD
1.26%$500-1 Year CD
1.00%$500-6 Month CD

Mountain Gem Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.12%$500-3 Year IRA
1.51%$500-2 Year IRA
1.26%$500-1 Year IRA
1.00%$500-6 Month IRA
Locations


Mountain Gem Credit Union Locations
Branch Office421 11th Ave SNampa, ID 83651
Branch Office1804 N Midland BlvdNampa, ID 83651-1747

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