State credit union · Boise, Idaho · NCUA charter #68361
Idaho United
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $72.9M
- Total assets
- 5,835
- Members
- 8.5%
- Net-worth ratio
Idaho United scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.9M; members 5,835; net-worth ratio 8.53%; health rank #1,017 of 4,374; healthier than 77th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,017 of 4,374 health · 2025Q4Idaho United · health 91/100 · $72.9M · 2025Q4
- MEM 91/100
- RANK 8.5%
- PHOTO 0.21%
- BOOK 0.91%
- CHARTER $72.9M
- NCUSIF 5,835
- CAMELS #1,017/4,374
- HEALTH SAFEWAY
- NW 68361
Call Report peers
Idaho United in the assets neighbourhood
Idaho United's $72.9M assets sit next to SAFEWAY ($73.0M) 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 United 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 United - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68361, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Idaho United
- Loan-to-Share Ratio leads the peer set - 90.27% here, 62.60% peer average (+27.67 pp).
- Widest shortfall vs peers is Net Worth Ratio: -5.09 pp (8.53% vs 13.62%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Idaho United in Idaho
- In Idaho, health place is #8 of 26 on the same NCUA-ratio sort used nationally.
- Assets rank #19 of 26 inside Idaho ($72.9M reported).
- Idaho membership ordinal: #18 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.
Quarter path for Idaho United
Idaho United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.2% from $72.9M (2025Q4) to $78.2M (2026Q1).
- Net-worth ratio shifted -0.62 pp (9.15% → 8.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.53% 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
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 26.3 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Idaho United
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.53% | -5.09 pp |
| Delinquency Rate | 0.21% | -0.76 pp |
| Return on Assets | 0.91% | +0.25 pp |
| Member Growth | 0.69% | - |
| Loan-to-Share Ratio | 90.27% | +27.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $78.2M | - |
| 2025Q4 | $72.9M | 5,835 |
| 2024Q4 | $71.1M | 5,795 |
| 2023Q4 | $64.6M | 5,675 |
Credit Union Details
- Charter Number
- 68361
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Idaho
- City
- Boise
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Idaho United runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| IDAHO UNITED CREDIT UNION (Main Office) | Meridian, ID |
| IDAHO UNITED CREDIT UNION | Boise, 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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Idaho United, both outside Idaho so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Idaho United ranks #1,017 of 4,374 nationally on financial health and #8 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Rails West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Rails West
- 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 United financially healthy?
Idaho United scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,017 of 4,374; by total assets it ranks #2,101 of 4,374 nationally (same basis as /rankings/largest); and #19 of 26 within Idaho. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.53% net worth ratio and a 0.21% delinquency rate.
How does Idaho United compare to other credit unions?
Five weighted metrics from NCUA filings produce Idaho United's 91/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Idaho United?
Membership eligibility for Idaho United depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Idaho United directly for current membership requirements and application steps.
Is my money safe at Idaho United?
Federal credit unions like Idaho United 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 United's net worth ratio of 8.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Idaho United offer compared to banks?
Credit unions like Idaho United 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 United 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.