State credit union · Chubbuck, Idaho · NCUA charter #63194
Idaho Central
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $14.76B
- Total assets
- 769,306
- Members
- 8.3%
- Net-worth ratio
Idaho Central scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.76B; members 769,306; net-worth ratio 8.28%; health rank #1,019 of 4,374; healthier than 77th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,019 of 4,374 health · 2025Q4Idaho Central · health 91/100 · $14.76B · 2025Q4
Call Report peers
Idaho Central in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Idaho Central vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Idaho Central 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
Peer-gap read for Idaho Central
- Loan-to-Share Ratio leads the peer set - 100.46% here, 83.90% peer average (+16.56 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.90 pp (8.28% vs 11.18%).
Idaho Central in Idaho
- Idaho health ordinal: #9 of 26.
- Assets rank #1 of 26 inside Idaho ($14.76B reported).
- Member book place in Idaho: #1 of 26.
- One place up in Idaho, Idaho United (#8) ties at 91/100; one place down, SIMPLOT (#10) scores 88/100, 3 points lower.
Idaho Central Call Report trajectory
Idaho Central: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $14.76B (2025Q4) to $14.95B (2026Q1).
- Net-worth ratio shifted +0.15 pp (8.13% → 8.28%).
At 8.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Idaho Central gives up 9 points in total. Loan-to-Share Ratio costs the most, 4.7 of its 15; Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 25.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.3 pts
Call Report ratios for Idaho Central
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.28% | -2.90 pp |
| Delinquency Rate | 0.45% | -0.42 pp |
| Return on Assets | 0.77% | +0.26 pp |
| Member Growth | 14.53% | - |
| Loan-to-Share Ratio | 100.46% | +16.56 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.95B | - |
| 2025Q4 | $14.76B | 769,306 |
| 2024Q4 | $12.12B | 671,689 |
| 2023Q4 | $11.00B | 610,882 |
Credit Union Details
- Charter Number
- 63194
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Idaho
- City
- Chubbuck
- Data Quarter
- 2025Q4
Branch Locations (65)
The NCUA branch filing lists 65 physical offices for Idaho Central, spread across 32 cities in 3 states.
| Office | City |
|---|---|
| Member Service Center (Main Office) | Chubbuck, ID |
| American Falls | American Falls, ID |
| Blackfoot | Blackfoot, ID |
| Downtown | Boise, ID |
| LBJ | Boise, ID |
| Pierce Park | Boise, ID |
| Overland | Boise, ID |
| Fairview | Boise, ID |
| Parkcenter | Boise, ID |
| Vista | Boise, ID |
| Saint Alphonsus Branch | Boise, ID |
| West Bench | Boise, ID |
| Chinden Campus | Boise, ID |
| Lake Hazel | Boise, ID |
| Burley | Burley, ID |
| Cleveland | Caldwell, ID |
| Caldwell | Caldwell, ID |
| North Ranch | Caldwell, ID |
| Chubbuck | Chubbuck, ID |
| Coeur D Alene | Coeur D Alene, ID |
| Appleway | Coeur D Alene, ID |
| Eagle | Eagle, ID |
| Fruitland | Fruitland, ID |
| Hayden | Hayden, ID |
| Sunnyside | Idaho Falls, ID |
| Broadway | Idaho Falls, ID |
| Hitt Road | Idaho Falls, ID |
| Thunder Ridge High School | Idaho Falls, ID |
| Jerome | Jerome, ID |
| Kennewick | Kennewick, WA |
| Kuna | Kuna, ID |
| Lewiston | Lewiston, ID |
| Liberty Lake | Liberty Lake, WA |
| Mountain View | Meridian, ID |
| Cherry Lane | Meridian, ID |
| Mountain View High School | Meridian, ID |
| Ustick | Meridian, ID |
| North Linder | Meridian, ID |
| Ten Mile | Meridian, ID |
| Owyhee HIgh School | Meridian, ID |
| ST. Lukes | Meridian, ID |
| Moscow | Moscow, ID |
| Mountain Home | Mountain Home, ID |
| Nampa | Nampa, ID |
| Southside | Nampa, ID |
| Northeast Nampa | Nampa, ID |
| White Pine | Pierce, ID |
| Benton | Pocatello, ID |
| Pocatello | Pocatello, ID |
| Post Falls | Post Falls, ID |
| Rexburg | Rexburg, ID |
| Hemming Village | Rexburg, ID |
| Richland | Richland, WA |
| Rigby | Rigby, ID |
| Shelley | Shelley, ID |
| Riverside | Spokane, WA |
| North Spokane | Spokane, WA |
| Airway Heights | Spokane, WA |
| South Hill | Spokane, WA |
| Spokane Valley | Spokane Valley, WA |
| Star | Star, ID |
| Tucson East | Tucson, AZ |
| Tucson Old Pueblo | Tucson, AZ |
| Addison | Twin Falls, ID |
| Blue Lakes | Twin Falls, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Idaho Central ranks #1,019 of 4,374 nationally on financial health and #9 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Potlatch No. 1 Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Potlatch No. 1 Financial
Frequently Asked Questions
Is Idaho Central financially healthy?
Idaho Central has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,019 of 4,374 nationally on health and #9 of 26 in Idaho. Its net worth ratio is 8.28% and its delinquency rate 0.45%.
How does Idaho Central compare to other credit unions?
Idaho Central 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 (100.46% vs 83.90%). Its widest shortfall is net worth ratio (8.28% vs 11.18%).
How can I join Idaho Central?
Membership eligibility for Idaho Central depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Idaho Central directly for current membership requirements and application steps.
Is my money safe at Idaho Central?
Idaho Central 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. Idaho Central's net worth ratio of 8.28% 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.