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St. Joe Valley Credit Union

Popular Accounts at this Credit Union

0.60%5-year CD60 Month CD
0.01%SavingsSuper Saver Account
0.40%4-year CD48 Month CD

Overview / Commentary
129 S 9th St
St Maries, ID 83861

St. Joe Valley Credit Union is headquartered in St Maries and is the 29th largest credit union in the state of Idaho. It is also the 4,352nd largest credit union in the nation. It was established in 1959 and as of September of 2017, it had grown to 2 employees and 1,153 members at 1 location. St. Joe Valley Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live or work within a 35-mile radius of the city of St. Maries, Idaho and to military personnel whose permanent residence is within this radius.
See current membership details


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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. St. Joe Valley Credit Union has a very low asset base.

Health Grade Components

NCUA #97066
Year Chartered1959
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD11.2%
Annual Interest Income$185.00K
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$8.5MM$7.8MM
LoansQ3 2017vs Q3 2016$4.5MM$3.6MM
DepositsQ3 2017vs Q3 2016$7.8MM$7.3MM
Equity CapitalQ3 2017vs Q3 2016$500.00K$447.00K
Loan Loss AllowanceQ3 2017vs Q3 2016$10.00K$8.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$26.00K$0
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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St. Joe Valley Credit Union Savings Account Rates

0.10%--IRA Share Account
0.05%--Christmas Club Account
0.05%--Vacation Club Account
0.01%--Regular Shares
0.01%--Super Saver Account
0.01%--Medical Savings 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

0.10%$500-12 Month IRA

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