State credit union · Idaho Falls, Idaho · NCUA charter #68376
FRONTIER
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $711.5M
- Total assets
- 52,110
- Members
- 8.8%
- Net-worth ratio
FRONTIER scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $711.5M; members 52,110; net-worth ratio 8.76%; health rank #1,013 of 4,374; healthier than 77th of scored peers.
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FRONTIER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FRONTIER sits in 90-94 with 747 others.
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
Where FRONTIER diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +6.02 pp (89.92% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -2.42 pp (8.76% vs 11.18%).
Where FRONTIER sits in Idaho
- In Idaho, health place is #7 of 26 on the same NCUA-ratio sort used nationally.
- Assets rank #6 of 26 inside Idaho ($711.5M reported).
- Member book place in Idaho: #5 of 26.
- One place up in Idaho, CLARITY (#6) ties at 91/100; one place down, Idaho United (#8) ties at 91/100.
Quarter path for FRONTIER
FRONTIER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +13.9% from $711.5M (2025Q4) to $810.2M (2026Q1).
- Net-worth ratio shifted -0.25 pp (9.01% → 8.76%).
8.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
FRONTIER gives up 9 points in total. Return on Assets costs the most, 4.5 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 26.9 pts
- Delinquency Rate 23.6 pts
- Return on Assets 10.5 pts
- Member Growth 14.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.76% | -2.42 pp |
| Delinquency Rate | 0.64% | -0.23 pp |
| Return on Assets | 0.20% | -0.31 pp |
| Member Growth | 4.74% | - |
| Loan-to-Share Ratio | 89.92% | +6.02 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
FRONTIER quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $810.2M | - |
| 2025Q4 | $711.5M | 52,110 |
| 2024Q4 | $687.0M | 49,752 |
| 2023Q4 | $670.4M | 48,935 |
Credit Union Details
- Charter Number
- 68376
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Idaho
- City
- Idaho Falls
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for FRONTIER, spread across 15 cities in 2 states.
| Office | City |
|---|---|
| Idaho Falls Main (Main Office) | Idaho Falls, ID |
| Ammon | Ammon, ID |
| Arco | Arco, ID |
| Butte | Butte, MT |
| Challis | Challis, ID |
| Driggs | Driggs, ID |
| Freeman | Idaho Falls, ID |
| Ten MIle | Meridian, ID |
| Montpelier | Montpelier, ID |
| Pocatello | Pocatello, ID |
| Rexburg | Rexburg, ID |
| St Anthony | Saint Anthony, ID |
| Salmon | Salmon, ID |
| Shelley | Shelley, ID |
| Shoshone | Shoshone, ID |
| Star | Star, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
More federally-insured credit unions based in Idaho, ordered by peer group match and asset size.
Cross-state Call Report peers for FRONTIER
Using this data
- FRONTIER ranks #1,013 of 4,374 nationally on financial health and #7 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PIONEER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PIONEER
Frequently Asked Questions
Is FRONTIER financially healthy?
FRONTIER has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,013 of 4,374 nationally on health and #7 of 26 in Idaho. Its net worth ratio is 8.76% and its delinquency rate 0.64%.
How does FRONTIER compare to other credit unions?
FRONTIER scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (89.92% vs 83.90%). Its widest shortfall is net worth ratio (8.76% vs 11.18%).
How can I join FRONTIER?
Membership eligibility for FRONTIER depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact FRONTIER directly for current membership requirements and application steps.
Is my money safe at FRONTIER?
FRONTIER is a state-chartered credit union; its shares are federally 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. FRONTIER's net worth ratio of 8.76% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.