State credit union · Nampa, Idaho · NCUA charter #68295
Clarity
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $223.5M
- Total assets
- 19,103
- Members
- 8.1%
- Net-worth ratio
Clarity - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68295, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Clarity - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)84
- Asset quality (delinquency)73
- Earnings (ROA)100
- Member growth85
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.06% | 30% |
| Delinquency Rate | 1.23% | 25% |
| Return on Assets | 0.97% | 15% |
| Member Growth | 3.10% | 15% |
| Loan-to-Share Ratio | 81.22% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $223.5M | 19,103 |
| 2024Q4 | $204.3M | 18,529 |
| 2023Q4 | $194.4M | 17,960 |
Credit Union Details
- Charter Number
- 68295
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Idaho
- City
- Nampa
- Data Quarter
- 2025Q4
What This Data Says About Clarity
The five-factor composite scores Clarity at 86/100 (Excellent), reflecting a net worth ratio of 8.06% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Nampa, Idaho, reports 19,103 members, $223.5M in total assets, and $165.6M in outstanding loans as of Q4 2025 under charter #68295 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Two more numbers round out the picture: a 1.23% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 81.22% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.97% on net income of $2.2M 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 3.10%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 Clarity financially healthy?
A 8.06% net worth ratio and a 1.23% delinquency rate feed into Clarity's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Clarity compare to other credit unions?
Five weighted metrics from NCUA filings produce Clarity's 86/100 score on PlainCU's health composite, compared to a peer group average for $100M–$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 Clarity?
Membership eligibility for Clarity depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Clarity directly for current membership requirements and application steps.
Is my money safe at Clarity?
Federal credit unions like Clarity 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. Clarity's net worth ratio of 8.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Clarity offer compared to banks?
Credit unions like Clarity 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 Clarity 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.