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
Call Report peers
Idaho United in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Idaho United 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 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%).
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.
- One place up in Idaho, FRONTIER (#7) ties at 91/100; one place down, Idaho Central (#9) ties at 91/100.
Quarter path for Idaho United
Idaho United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.2% from $72.9M (2025Q4) to $78.2M (2026Q1).
- Net-worth ratio shifted -0.62 pp (9.15% → 8.53%).
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
Idaho United gives up 9 points in total. Member Growth costs the most, 5.2 of its 15; Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Idaho United financially healthy?
Idaho United has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,017 of 4,374 nationally on health and #8 of 26 in Idaho. Its net worth ratio is 8.53% and its delinquency rate 0.21%.
How does Idaho United compare to other credit unions?
Idaho United scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (90.27% vs 62.60%). Its widest shortfall is net worth ratio (8.53% vs 13.62%).
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?
Idaho United 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 United's net worth ratio of 8.53% 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.