Federal credit union · MOSCOW, Idaho · NCUA charter #97102
LATAH
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $164.0M
- Total assets
- 8,193
- Members
- 11.3%
- Net-worth ratio
LATAH scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $164.0M; members 8,193; net-worth ratio 11.29%; health rank #268 of 4,374; healthier than 93rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#268 of 4,374 health · 2025Q4LATAH · health 96/100 · $164.0M · 2025Q4
Call Report peers
LATAH in the assets neighbourhood
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LATAH vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LATAH sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
LATAH: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +0.96 pp (1.58% vs 0.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.18 pp (64.02% vs 72.20%).
Idaho standing for LATAH
- Idaho health ordinal: #2 of 26.
- By total assets, LATAH is #16 of 26 in Idaho.
- Member book place in Idaho: #16 of 26.
- One place up in Idaho, Lewis Clark (#1) scores 100/100, 4 points higher; one place down, Advantage Plus (#3) scores 93/100, 3 points lower.
Quarter path for LATAH
LATAH: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $164.0M (2025Q4) to $169.2M (2026Q1).
- Net-worth ratio shifted +0.04 pp (11.25% → 11.29%).
11.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
LATAH gives up 4 points in total. Member Growth costs the most, 2.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.5 pts
- Return on Assets 15.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 14.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.29% | -0.82 pp |
| Delinquency Rate | 0.55% | -0.35 pp |
| Return on Assets | 1.58% | +0.96 pp |
| Member Growth | 2.81% | - |
| Loan-to-Share Ratio | 64.02% | -8.18 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $169.2M | - |
| 2025Q4 | $164.0M | 8,193 |
| 2024Q4 | $160.1M | 7,969 |
| 2023Q4 | $154.3M | 7,788 |
Credit Union Details
- Charter Number
- 97102
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Idaho
- City
- MOSCOW
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for LATAH, spread across 4 cities.
| Office | City |
|---|---|
| Moscow (Main Office) | Moscow, ID |
| Kendrick | Kendrick, ID |
| Plummer | Plummer, ID |
| Potlatch | Potlatch, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
More federally-insured credit unions based in Idaho, ordered by peer group match and asset size.
LATAH nationwide neighbourhoods
Using this data
- LATAH ranks #268 of 4,374 nationally on financial health and #2 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CLARITY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CLARITY
Frequently Asked Questions
Is LATAH financially healthy?
LATAH has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #268 of 4,374 nationally on health and #2 of 26 in Idaho. Its net worth ratio is 11.29% and its delinquency rate 0.55%.
How does LATAH compare to other credit unions?
LATAH scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.58% vs 0.62%). Its widest shortfall is loan-to-share ratio (64.02% vs 72.20%).
How can I join LATAH?
Membership eligibility for LATAH depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LATAH directly for current membership requirements and application steps.
Is my money safe at LATAH?
LATAH is a federal 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. LATAH's net worth ratio of 11.29% 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.