Federal credit union · Rexburg, Idaho · NCUA charter #13741
Beehive
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $626.8M
- Total assets
- 33,500
- Members
- 8.7%
- Net-worth ratio
Beehive - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #13741 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Beehive - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)89
- Asset quality (delinquency)100
- Earnings (ROA)74
- Member growth65
- Liquidity (loan-to-share)100
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.68% | 30% |
| Delinquency Rate | 0.48% | 25% |
| Return on Assets | 0.24% | 15% |
| Member Growth | 0.65% | 15% |
| Loan-to-Share Ratio | 86.05% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $626.8M | 33,500 |
| 2024Q4 | $604.2M | 33,284 |
| 2023Q4 | $598.1M | 33,998 |
Credit Union Details
- Charter Number
- 13741
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Idaho
- City
- Rexburg
- Data Quarter
- 2025Q4
What This Data Says About Beehive
Beehive is a federal credit union headquartered in Rexburg, Idaho, serving 33,500 members with $626.8M in total assets and $474.6M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 88/100 (Excellent), anchored by a net worth ratio of 8.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #13741 operates under peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.48% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 86.05% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.24% on net income of $1.5M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.65%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Idaho
A look at other Idaho credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Beehive financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Beehive's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.68% net worth ratio and 0.48% delinquency rate are the key drivers.
How does Beehive compare to other credit unions?
Five weighted metrics from NCUA filings produce Beehive's 88/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Beehive?
Beehive operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Beehive directly for the exact boundaries and application steps.
Is my money safe at Beehive?
Federal credit unions like Beehive are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Beehive's net worth ratio of 8.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Beehive offer compared to banks?
Credit unions like Beehive are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Beehive directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.