Headquartered in Nampa, Idaho, Clarity Credit Union is a federally insured state-chartered credit union with $235.6M in total assets and $216.6M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1948.
Based on its Q2 2026 filing, Clarity Credit Union scores 59/100, which we describe as moderate. That is higher than only 19% of 1,341 credit unions with $100 million – $1 billion. Among 26 credit unions headquartered in Idaho, it ranks 17th. Its strongest component is problem-loan coverage (85/100; 7.5%), and its lowest is earnings (34/100; 0.35%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (61 → 59), mostly because the earnings component weakened by 31 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 56 |
| Q4 2024 | 58 |
| Q1 2025 | 63 |
| Q2 2025 | 61 |
| Q3 2025 | 58 |
| Q4 2025 | 59 |
| Q1 2026 | 61 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.56% |
| Q3 2024 | 9.80% |
| Q4 2024 | 9.98% |
| Q1 2025 | 10.43% |
| Q2 2025 | 10.36% |
| Q3 2025 | 9.98% |
| Q4 2025 | 10.04% |
| Q1 2026 | 9.97% |
| Q2 2026 | 9.74% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.88% |
| Q3 2024 | 1.79% |
| Q4 2024 | 1.72% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.67% |
| Q3 2025 | 1.29% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.00% |
| Q2 2026 | 0.99% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.61% |
| Q3 2024 | 1.01% |
| Q4 2024 | 1.06% |
| Q1 2025 | 0.86% |
| Q2 2025 | 1.12% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.59% |
| Q1 2026 | 0.60% |
| Q2 2026 | 0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $235.6M | 9.74% | 0.99% | 0.35% | 76.6% |
| Q1 2026 | 61 | $231.4M | 9.97% | 1.00% | 0.60% | 78.7% |
| Q4 2025 | 59 | $223.5M | 10.04% | 1.23% | 0.59% | 81.2% |
| Q3 2025 | 58 | $217.1M | 9.98% | 1.29% | 0.60% | 81.5% |
| Q2 2025 | 61 | $212.6M | 10.36% | 1.67% | 1.12% | 73.1% |
| Q1 2025 | 63 | $211.3M | 10.43% | 1.26% | 0.86% | 73.0% |
| Q4 2024 | 58 | $204.3M | 9.98% | 1.72% | 1.06% | 77.2% |
| Q3 2024 | 56 | $205.0M | 9.80% | 1.79% | 1.01% | 78.5% |
| Q2 2024 | 51 | $205.2M | 9.56% | 1.88% | 0.61% | 78.7% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Idaho
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Connections Credit UnionCredit union Pocatello, ID | 50 out of 100, Below average | $256.1M | 8.5% | 1.27% | vs |
| Lewis Clark Credit UnionCredit union Lewiston, ID | 67 out of 100, Moderate | $270.4M | 11.0% | 0.62% | vs |
| Cottonwood Community Federal Credit UnionCredit union Cottonwood, ID | 81 out of 100, Strong | $285.5M | 14.9% | 1.39% | vs |
| Advantage Plus Federal Credit UnionCredit union Pocatello, ID | 64 out of 100, Moderate | $292.4M | 9.7% | 0.36% | vs |
| Latah Credit UnionCredit union Moscow, ID | 82 out of 100, Strong | $170.4M | 11.7% | 0.54% | vs |
| Lookout Federal Credit UnionCredit union Pocatello, ID | 49 out of 100, Below average | $313.7M | 7.6% | 1.36% | vs |
Deposit insurance
Is my money safe at Clarity Credit Union?
Yes. Clarity Credit Union is a federally insured credit union (NCUA charter #68295). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.3% of shares and deposits ($7.2M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.74%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Clarity Credit Union lists 4 offices in 4 cities. Most locations:
- Caldwell, ID (1)
- Emmett, ID (1)
- Homedale, ID (1)
- Meridian, ID (1)
Identity & history
Profile
- Legal name
- Clarity Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 68295
- RSSD ID
- 761075
- Primary regulator
- State + NCUA
- Established
- 1948
- Headquarters
- PO Box 500, Nampa, ID 83653
- Employees
- 59
Quick answers
Clarity Credit Union: common questions
Is Clarity Credit Union NCUA insured?
Yes. Clarity Credit Union is a federally insured credit union (NCUA charter #68295). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Clarity Credit Union's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Clarity Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Nampa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Goldenwest Federal Credit UnionCredit union Ogden, UT | 81 out of 100, Strong | $4.3B | 13.2% | 0.47% | vs |
| D. L. Evans BankBank Burley, ID | 76 out of 100, Strong | $3.7B | 10.4% | 0.26% | vs |
| First Federal Savings Bank of Twin FallsBank Twin Falls, ID | 76 out of 100, Strong | $1.4B | 10.4% | 0.01% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| Trugrocer Federal Credit UnionCredit union Boise, ID | 73 out of 100, Strong | $320.1M | 16.0% | 0.81% | vs |
| Bank of Eastern OregonBank Heppner, OR | 73 out of 100, Strong | $933.6M | 11.6% | 1.22% | vs |