State credit union · Nampa, Idaho · NCUA charter #68295
CLARITY
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $223.5M
- Total assets
- 19,103
- Members
- 10.0%
- Net-worth ratio
CLARITY scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $223.5M; members 19,103; net-worth ratio 9.97%; health rank #989 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#989 of 4,374 health · 2025Q4CLARITY · health 91/100 · $223.5M · 2025Q4
- BOOK 91/100
- CHARTER 10.0%
- NCUSIF 1.23%
- CAMELS 0.97%
- HEALTH $223.5M
- NW 19,103
- DELQ #989/4,374
- ROA Fort Mcclellan
- ASSETS 68295
Call Report peers
CLARITY in the assets neighbourhood
CLARITY's $223.5M assets sit next to Fort Mcclellan ($222.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CLARITY vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where CLARITY diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 81.22% vs peer 72.20% (+9.02 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.14 pp (9.97% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Idaho standing for CLARITY
- In Idaho, health place is #6 of 26 on the same NCUA-ratio sort used nationally.
- Idaho assets place: #15 of 26.
- Membership ranks #13 of 26 among Idaho CUs with a reported count (19,103 members).
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How CLARITY's 5300 filing moved
CLARITY: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $223.5M (2025Q4) to $231.4M (2026Q1).
- Net-worth ratio shifted -0.07 pp (10.04% → 9.97%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.97%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 29.9 pts
- Delinquency Rate 18.3 pts
- Return on Assets 15.0 pts
- Member Growth 12.7 pts
- Loan-to-Share Ratio 15.1 pts
CLARITY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.97% | -2.14 pp |
| Delinquency Rate | 1.23% | +0.33 pp |
| Return on Assets | 0.97% | +0.34 pp |
| Member Growth | 3.10% | - |
| Loan-to-Share Ratio | 81.22% | +9.02 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $231.4M | - |
| 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
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for CLARITY, spread across 6 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Meridian, ID |
| Caldwell Branch | Caldwell, ID |
| Emmett Branch | Emmett, ID |
| Homedale Branch | Homedale, ID |
| Meridian Branch | Meridian, ID |
| Middleton Branch | Middleton, ID |
| Nampa Branch | Nampa, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Cross-state Call Report peers for CLARITY
CLARITY's nationwide photo peers by assets and by health score, excluding Idaho charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($223.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- CLARITY ranks #989 of 4,374 nationally on financial health and #6 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CONNECTIONS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CONNECTIONS
- Rates and health both vary by institution, not just by state -- see how Idaho credit unions compare overall before assuming this one is typical. Idaho state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is CLARITY financially healthy?
A 9.97% net worth ratio and a 1.23% delinquency rate feed into CLARITY's financial health score of 91/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #989 of 4,374; by total assets it ranks #1,205 of 4,374 nationally (same basis as /rankings/largest); and #15 of 26 within Idaho. 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 91/100 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 9.97% 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.
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.