Federal credit union · Twin Falls, Idaho · NCUA charter #8749
Snake River
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $12.5M
- Total assets
- 1,281
- Members
- 15.4%
- Net-worth ratio
Snake River scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.5M; members 1,281; net-worth ratio 15.42%; health rank #1,596 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,596 of 4,374 health · 2025Q4Snake River · health 87/100 · $12.5M · 2025Q4
- ROA 87/100
- ASSETS 15.4%
- MEM 0.47%
- RANK 0.19%
- PHOTO $12.5M
- BOOK 1,281
- CHARTER #1,596/4,374
- NCUSIF Marblehead Municipal
- CAMELS 8749
Call Report peers
Snake River in the assets neighbourhood
Snake River's $12.5M assets sit next to Marblehead Municipal ($12.5M) 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.
Snake River 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
87 Top 40% higher than 60% 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
Snake River - Share Insurance Coverage
Charter #8749's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Snake River: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 97.93% vs peer 59.80% (+38.13 pp).
- Widest shortfall vs peers is Return on Assets: -0.51 pp (0.19% vs 0.70%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Snake River: in-state Call Report ranks
- Idaho health ordinal: #13 of 26.
- By total assets, Snake River is #24 of 26 in Idaho.
- Membership ranks #23 of 26 among Idaho CUs with a reported count (1,281 members).
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Snake River: 2025Q4 → 2026Q1
Snake River: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -5.5% from $12.5M (2025Q4) to $11.9M (2026Q1).
- Net-worth ratio shifted +1.07 pp (14.35% → 15.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.42%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.4 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.42% | +0.56 pp |
| Delinquency Rate | 0.47% | -0.68 pp |
| Return on Assets | 0.19% | -0.51 pp |
| Member Growth | 0.71% | - |
| Loan-to-Share Ratio | 97.93% | +38.13 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Snake River quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.9M | - |
| 2025Q4 | $12.5M | 1,281 |
| 2024Q4 | $11.7M | 1,272 |
| 2023Q4 | $11.3M | 1,300 |
Credit Union Details
- Charter Number
- 8749
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Idaho
- City
- Twin Falls
- Data Quarter
- 2025Q4
Branch Locations (2)
Snake River operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 2361 (Main Office) | Twin Falls, ID |
| Vital | Salt Lake City, UT |
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.
Other-state peers near Snake River
Two NCUA Call Report peer sets for Snake River, 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 ($12.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Snake River ranks #1,596 of 4,374 nationally on financial health and #13 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St Joe Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St Joe Valley
- 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 Snake River financially healthy?
A 15.42% net worth ratio and a 0.47% delinquency rate feed into Snake River's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,596 of 4,374; by total assets it ranks #3,427 of 4,374 nationally (same basis as /rankings/largest); and #24 of 26 within Idaho. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Snake River compare to other credit unions?
PlainCU's health composite puts Snake River at 87/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Snake River?
Snake River operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Snake River directly for the exact boundaries and application steps.
Is my money safe at Snake River?
Federal credit unions like Snake River 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. Snake River's net worth ratio of 15.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Snake River offer compared to banks?
Credit unions like Snake River 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 Snake River 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.