State credit union · Chubbuck, Idaho · NCUA charter #63194
Idaho Central
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $14.76B
- Total assets
- 769,306
- Members
- 7.6%
- Net-worth ratio
Idaho Central - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #63194. See our deposit-insurance coverage note.
Idaho Central - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)80
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)69
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 7.58%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.58% | 30% |
| Delinquency Rate | 0.45% | 25% |
| Return on Assets | 0.77% | 15% |
| Member Growth | 14.53% | 15% |
| Loan-to-Share Ratio | 100.46% | 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 | $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
What This Data Says About Idaho Central
Headquartered in Chubbuck, Idaho, Idaho Central is a state credit union with 769,306 members, $14.76B in total assets, and $12.77B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 89/100 (Excellent), driven in part by a net worth ratio of 7.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #63194 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.45% 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 100.46% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.77% on net income of $113.3M 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 14.53%. 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
Other federally-insured credit unions in Idaho, closest first by peer group and asset size.
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 Idaho Central financially healthy?
A 7.58% net worth ratio and a 0.45% delinquency rate feed into Idaho Central's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Idaho Central compare to other credit unions?
On PlainCU's health composite, Idaho Central lands at 89/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 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?
Federal credit unions like Idaho Central 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. Idaho Central's net worth ratio of 7.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Idaho Central offer compared to banks?
Credit unions like Idaho Central 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 Idaho Central 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.