Side-by-side · Q2 2026 data
Idaho United Credit Union vs St Joe Valley Credit Union
Metric by metric
| Measure | Idaho United Credit Union | St Joe Valley Credit Union |
|---|---|---|
| TellerScore | 66 | 80 (stronger) |
| Capital cushion | 39 | 66 (stronger) |
| Loan quality | 99 (stronger) | 80 |
| Earnings | 42 | 78 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 32nd | 65th |
| Total assets | $77.3M | $14.0M |
| Deposits / shares | $69.8M | $12.3M |
| Capital ratio | 8.90% | 11.62% (stronger) |
| Problem loans | 0.02% (stronger) | 0.59% |
| Net charge-offs | 0.26% | 0.21% (stronger) |
| Return on assets | 0.55% | 1.45% (stronger) |
| Loans ÷ deposits | 86.5% | 54.3% (stronger) |
| Uninsured deposits | 16.5% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St Joe Valley Credit Union has the higher TellerScore (80 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Idaho United Credit Union leads on 1 and St Joe Valley Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.