Federal credit union · ST MARIES, Idaho · NCUA charter #97066
St Joe Valley
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $14.0M
- Total assets
- 1,150
- Members
- 8.8%
- Net-worth ratio
St Joe Valley - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #97066, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
St Joe Valley - 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)90
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth42
- Liquidity (loan-to-share)70
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.76% | 30% |
| Delinquency Rate | 0.39% | 25% |
| Return on Assets | 1.34% | 15% |
| Member Growth | -1.54% | 15% |
| Loan-to-Share Ratio | 50.01% | 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 | $14.0M | 1,150 |
| 2024Q4 | $13.2M | 1,168 |
| 2023Q4 | $12.8M | 1,200 |
Credit Union Details
- Charter Number
- 97066
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Idaho
- City
- ST MARIES
- Data Quarter
- 2025Q4
What This Data Says About St Joe Valley
Headquartered in ST MARIES, Idaho, St Joe Valley is a federal credit union with 1,150 members, $14.0M in total assets, and $6.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 84/100 (Excellent), driven in part by a net worth ratio of 8.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #97066 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.39% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 50.01% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.34% on net income of $187K 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 -1.54%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - 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 St Joe Valley financially healthy?
St Joe Valley scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.76% net worth ratio and a 0.39% delinquency rate.
How does St Joe Valley compare to other credit unions?
On PlainCU's health composite, St Joe Valley lands at 84/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 St Joe Valley?
Membership eligibility for St Joe Valley depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St Joe Valley directly for current membership requirements and application steps.
Is my money safe at St Joe Valley?
Federal credit unions like St Joe Valley 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. St Joe Valley's net worth ratio of 8.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St Joe Valley offer compared to banks?
Credit unions like St Joe Valley 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 St Joe Valley 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.