TellerScore

Headquartered in Idaho Falls, Idaho, Frontier Credit Union is a federally insured state-chartered credit union with $821.6M in total assets and $694.2M in member shares and deposits as of Q2 2026. It operates 16 offices across 2 states. Its charter dates back to 1935.

Based on its Q2 2026 filing, Frontier Credit Union scores 58/100, which we describe as moderate. That is higher than only 16% of 1,341 credit unions with $100 million – $1 billion. Among 26 credit unions headquartered in Idaho, it ranks 19th. Its strongest component is problem-loan coverage (88/100; 5.9%), and its lowest is capital cushion (36/100; 8.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.61%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.60%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity66/100
Loans ÷ shares: 94.0% · 13.4% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.86%

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 rose 2 points (56 → 58), mostly because the earnings component improved by 13 points.

TellerScore
515661Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202452
Q3 202451
Q4 202451
Q1 202553
Q2 202556
Q3 202558
Q4 202558
Q1 202661
Q2 202658
Net worth ratio
7.00%8.20%9.40%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.40%
Q3 20249.29%
Q4 20249.21%
Q1 20259.18%
Q2 20259.05%
Q3 20259.03%
Q4 20259.01%
Q1 20268.76%
Q2 20268.61%
Delinquent loans (60+ days)
0.51%0.92%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.17%
Q3 20241.33%
Q4 20241.30%
Q1 20250.95%
Q2 20250.72%
Q3 20250.73%
Q4 20250.64%
Q1 20260.51%
Q2 20260.60%
Return on assets
0.04%0.33%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.21%
Q4 20240.20%
Q1 20250.04%
Q2 20250.19%
Q3 20250.35%
Q4 20250.31%
Q1 20260.63%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$821.6M8.61%0.60%0.52%94.0%
Q1 202661$810.2M8.76%0.51%0.63%91.2%
Q4 202558$711.5M9.01%0.64%0.31%89.9%
Q3 202558$736.4M9.03%0.73%0.35%85.6%
Q2 202556$728.4M9.05%0.72%0.19%90.2%
Q1 202553$697.9M9.18%0.95%0.04%89.4%
Q4 202451$687.0M9.21%1.30%0.20%89.8%
Q3 202451$675.7M9.29%1.33%0.21%90.9%
Q2 202452$662.5M9.40%1.17%0.23%92.2%

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).

Capital ratio8.61%
8th
Problem loans0.60%
56th
Net charge-offs0.62%
26th
Return on assets0.52%
32nd
Loans to deposits94.0%
9th
Uninsured deposits13.4%
7th
Loan-loss reserves0.00%
50th
Texas ratio5.9%
32nd

Similar-size credit unions in Idaho

InstitutionScoreAssetsCapitalProblem loansCompare
Pioneer Federal Credit UnionCredit union Mountain Home, ID60 out of 100, Moderate$744.0M10.0%1.08%vs
Freedom Northwest Credit UnionCredit union Kamiah, ID82 out of 100, Strong$693.1M13.4%0.61%vs
Beehive Federal Credit UnionCredit union Rexburg, ID55 out of 100, Moderate$647.7M8.9%1.53%vs
Trugrocer Federal Credit UnionCredit union Boise, ID73 out of 100, Strong$320.1M16.0%0.81%vs
Lookout Federal Credit UnionCredit union Pocatello, ID49 out of 100, Below average$313.7M7.6%1.36%vs
Advantage Plus Federal Credit UnionCredit union Pocatello, ID64 out of 100, Moderate$292.4M9.7%0.36%vs

Deposit insurance

Is my money safe at Frontier Credit Union?

Yes. Frontier Credit Union is a federally insured credit union (NCUA charter #68376). 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 13.4% of shares and deposits ($92.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.61%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

16 locations

Branches

Frontier Credit Union lists 16 offices in 15 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Frontier Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68376
RSSD ID
929071
Primary regulator
State + NCUA
Established
1935
Headquarters
PO Box 1865, Idaho Falls, ID 83403
Employees
213

Quick answers

Frontier Credit Union: common questions

Is Frontier Credit Union NCUA insured?

Yes. Frontier Credit Union is a federally insured credit union (NCUA charter #68376). 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 Frontier Credit Union's TellerScore?

58 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 Frontier Credit Union have?

16 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Idaho Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Members Preferred Credit UnionCredit union Idaho Falls, ID87 out of 100, Very strong$62.9M20.7%1.01%vs
Goldenwest Federal Credit UnionCredit union Ogden, UT81 out of 100, Strong$4.3B13.2%0.47%vs
The Bank of CommerceBank Ammon, ID78 out of 100, Strong$2.3B15.7%1.35%vs
D. L. Evans BankBank Burley, ID76 out of 100, Strong$3.7B10.4%0.26%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs