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
- CAMELS 91/100
- HEALTH 8.3%
- NW 0.45%
- DELQ 0.77%
- ROA $14.76B
- ASSETS 769,306
- MEM #1,019/4,374
- RANK Security Service
- PHOTO 63194
Call Report peers
Idaho Central in the assets neighbourhood
Idaho Central's $14.76B assets sit next to Security Service ($14.18B) 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.
Idaho Central 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
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.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Idaho Central Call Report trajectory
Idaho Central: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $14.76B (2025Q4) to $14.95B (2026Q1).
- Net-worth ratio shifted +0.15 pp (8.13% → 8.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Idaho Central - kept outside Idaho; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.76B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
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
- 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 Idaho Central financially healthy?
A 8.28% net worth ratio and a 0.45% delinquency rate feed into Idaho Central'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 #1,019 of 4,374; by total assets it ranks #14 of 4,374 nationally (same basis as /rankings/largest); and #1 of 26 within Idaho. 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 91/100, 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 8.28% 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.
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.