Federal credit union · Twin Falls, Idaho · NCUA charter #8749
Snake River
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $12.5M
- Total assets
- 1,281
- Members
- 14.3%
- Net-worth ratio
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 - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)69
- Member growth66
- Liquidity (loan-to-share)76
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 14.35%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.35% | 30% |
| Delinquency Rate | 0.47% | 25% |
| Return on Assets | 0.19% | 15% |
| Member Growth | 0.71% | 15% |
| Loan-to-Share Ratio | 97.93% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Snake River
Charter #8749, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Snake River, a federal credit union in Twin Falls, Idaho with 1,281 members, $12.5M in total assets, and $10.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 87/100 (Excellent), helped by a net worth ratio of 14.35% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.47% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 97.93% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.19% on net income of $24K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.71%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Snake River financially healthy?
A 14.35% 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. 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 14.35% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.