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Idaho Credit Union Performance
How the 26 credit unions based in Idaho are performing — size, membership, earnings, capital, growth and loan quality — measured against every U.S. credit union, straight from the public NCUA Call Report.
NCUA data through Q1 2026.
Idaho's 26 credit unions serve 1,432,348 members and hold $25.57B in combined assets. The median Idaho credit union earned a 0.63% return on average assets over the past year, compared with 0.66% for the median U.S. credit union. Median one-year membership growth among Idaho credit unions was 0.41%, compared with -0.55% nationally. Median one-year asset growth was 3.62%, compared with 2.78% nationally. Figures are from the Q1 2026 NCUA Call Report.
Idaho at a glance
Idaho vs. the United States
System totals are the sum of every credit union based in Idaho. The share column is Idaho's portion of the national figure.
| Measure | Idaho | United States | Idaho share |
|---|---|---|---|
| Credit unions | 26 | 4,335 | 0.6% |
| Members | 1,432,348 | 147,031,529 | 1.0% |
| Residents (population) | 2,001,619 | 340,110,988 | 0.6% |
| Total assets | $25.57B | $2,507.50B | 1.0% |
| Total loans | $21.10B | $1,744.86B | 1.2% |
| Total shares & deposits | $22.26B | $2,143.21B | 1.0% |
| Total net worth | $2.24B | $282.23B | 0.8% |
| Mergers year-to-date | 0 | 27 | — |
Membership reach. Idaho credit unions report about 72 memberships for every 100 residents, vs 43 nationally — a rough measure of how deeply credit unions reach the population. (This counts memberships, not unique people: one person can belong to more than one credit union, and large Idaho credit unions serve members in other states, so it overstates true in-state penetration.)
The median Idaho credit union
Ratios and growth describe the typical (median) credit union in each place — a robust, outlier-resistant figure — not a single giant institution. Each is computed with the same disclosed equations used across CUNinjas.
| Metric | Median Idaho CU | Median U.S. CU |
|---|---|---|
| Return on assets | 0.63% | 0.66% |
| Net worth ratio | 9.82% | 12.44% |
| Loan-to-share ratio | 84.65% | 67.86% |
| Delinquency ratio | 0.65% | 0.63% |
| Net charge-off ratio | 0.48% | 0.33% |
| Cost of funds | 1.65% | 1.05% |
| Member growth (1 yr) | 0.41% | -0.55% |
| Asset growth (1 yr) | 3.62% | 2.78% |
| Loan growth (1 yr) | 3.20% | 0.63% |
| Share growth (1 yr) | 3.94% | 2.36% |
| Net worth growth (1 yr) | 6.44% | 5.57% |
Trends over time
The median Idaho credit union (solid) vs. the median U.S. credit union (dashed), by year.
Return on assets 0.71% · 0.72%
— Idaho ‑‑ U.S.
Net worth ratio 9.81% · 12.46%
— Idaho ‑‑ U.S.
Loan-to-share ratio 89.32% · 69.70%
— Idaho ‑‑ U.S.
Delinquency ratio 0.69% · 0.72%
— Idaho ‑‑ U.S.
Asset growth (1 yr) 3.67% · 3.26%
— Idaho ‑‑ U.S.
Member growth (1 yr) 0.67% · -0.52%
— Idaho ‑‑ U.S.
Idaho leaderboards
Largest by assets
- 1 Idaho Central Credit Union $14.95B
- 2 P1FCU $2.15B
- 3 Westmark Credit Union $1.62B
- 4 Capital Educators Credit Union $1.40B
- 5 East Idaho Credit Union $810.2M
- 6 Pioneer Credit Union $738.6M
- 7 Kamiah Community Credit Union $667.8M
- 8 Beehive Credit Union $642.2M
- 9 TruGrocers Credit Union $319.4M
- 10 Idaho State University Credit Union $309.2M
Highest return on assets
- 1 Medical and Professional Credit Union 2.91%
- 2 Kamiah Community Credit Union 2.54%
- 3 Latah Credit Union 1.62%
- 4 Cottonwood Community Credit Union 1.52%
- 5 Beehive Credit Union 1.14%
- 6 Idaho Central Credit Union 1.14%
- 7 Pioneer Credit Union 0.94%
- 8 Pocatello Simplot Credit Union 0.75%
- 9 Pocatello Railroad Credit Union 0.70%
- 10 East Idaho Credit Union 0.67%
Fastest-growing (organic)
- 1 East Idaho Credit Union 16.10%
- 2 Kamiah Community Credit Union 10.55%
- 3 Westmark Credit Union 10.44%
- 4 Idadiv Credit Union 9.54%
- 5 Lewis Clark Credit Union 9.24%
- 6 Idaho United Credit Union 9.19%
- 7 Advantage Plus Credit Union 7.49%
- 8 Cottonwood Community Credit Union 7.11%
- 9 Medical and Professional Credit Union 6.92%
- 10 Latah Credit Union 4.62%
Leaderboards rank credit unions above $50M in assets on positive measures only (return on assets and organic asset growth, excluding merger-driven jumps); the largest board has no size floor.
Method. Compiled from public NCUA 5300 Call Report data (Q1 2026), covering federally insured credit unions headquartered in Idaho that filed for the quarter. System totals are exact sums; ratios and growth are the median credit union in each place, computed through the same disclosed equations used across CUNinjas (a credit union that branches across state lines is counted only in its home state). Cells for a group of fewer than three credit unions are withheld. Population figures are U.S. Census Bureau Vintage 2024 estimates. Not affiliated with the NCUA.