TellerScore

Headquartered in Boise, Idaho, Idaho United Credit Union is a federally insured state-chartered credit union with $77.3M in total assets and $69.8M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1978.

Based on its Q2 2026 filing, Idaho United Credit Union scores 66/100, which we describe as moderate. That is higher than only 32% of 2,479 credit unions with under $100 million in assets. Among 26 credit unions headquartered in Idaho, it ranks 11th. Its strongest component is loan quality (99/100; 0.02%), and its lowest is capital cushion (39/100; 8.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.90%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.02%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity72/100
Loans ÷ shares: 86.5% · 16.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.46%

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 (68 → 66), mostly because the earnings component weakened by 18 points.

TellerScore
606569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202465
Q4 202466
Q1 202566
Q2 202568
Q3 202566
Q4 202569
Q1 202660
Q2 202666
Net worth ratio
7.00%8.07%9.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.32%
Q3 20248.29%
Q4 20248.26%
Q1 20258.44%
Q2 20258.74%
Q3 20258.72%
Q4 20259.15%
Q1 20268.53%
Q2 20268.90%
Delinquent loans (60+ days)
0.02%0.16%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.15%
Q4 20240.22%
Q1 20250.14%
Q2 20250.08%
Q3 20250.30%
Q4 20250.21%
Q1 20260.05%
Q2 20260.02%
Return on assets
-0.04%0.54%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.93%
Q3 20240.88%
Q4 20240.93%
Q1 20250.94%
Q2 20251.00%
Q3 20251.03%
Q4 20251.12%
Q1 2026-0.04%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$77.3M8.90%0.02%0.55%86.5%
Q1 202660$78.2M8.53%0.05%-0.04%84.9%
Q4 202569$72.9M9.15%0.21%1.12%90.3%
Q3 202566$73.5M8.72%0.30%1.03%85.6%
Q2 202568$71.2M8.74%0.08%1.00%88.6%
Q1 202566$71.6M8.44%0.14%0.94%87.0%
Q4 202466$71.1M8.26%0.22%0.93%84.5%
Q3 202465$68.8M8.29%0.15%0.88%88.7%
Q2 202466$67.1M8.32%0.12%0.93%89.2%

2,479 peers · Under $100 million in assets

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 ratio8.90%
9th
Problem loans0.02%
86th
Net charge-offs0.26%
42nd
Return on assets0.55%
44th
Loans to deposits86.5%
12th
Uninsured deposits16.5%
2nd
Loan-loss reserves0.00%
37th
Texas ratio0.5%
75th

Similar-size credit unions in Idaho

InstitutionScoreAssetsCapitalProblem loansCompare
Rails West Federal Credit UnionCredit union Pocatello, ID77 out of 100, Strong$80.6M11.2%0.26%vs
Members Preferred Credit UnionCredit union Idaho Falls, ID87 out of 100, Very strong$62.9M20.7%1.01%vs
Simplot Credit UnionCredit union Pocatello, ID86 out of 100, Very strong$59.0M21.9%0.30%vs
Sei Federal Credit UnionCredit union Pocatello, ID51 out of 100, Below average$33.4M8.3%0.68%vs
St Joe Valley Credit UnionCredit union St Maries, ID80 out of 100, Strong$14.0M11.6%0.59%vs
Snake River Federal Credit UnionCredit union Twin Falls, ID82 out of 100, Strong$12.0M15.4%0.15%vs

Deposit insurance

Is my money safe at Idaho United Credit Union?

Yes. Idaho United Credit Union is a federally insured credit union (NCUA charter #68361). 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 16.5% of shares and deposits ($11.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.90%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Idaho United Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Idaho United Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68361
RSSD ID
833785
Primary regulator
State + NCUA
Established
1978
Headquarters
PO Box 2268, Boise, ID 83701
Employees
15

Quick answers

Idaho United Credit Union: common questions

Is Idaho United Credit Union NCUA insured?

Yes. Idaho United Credit Union is a federally insured credit union (NCUA charter #68361). 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 Idaho United Credit Union's TellerScore?

66 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 Idaho United Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Boise

InstitutionScoreAssetsCapitalProblem loansCompare
Goldenwest Federal Credit UnionCredit union Ogden, UT81 out of 100, Strong$4.3B13.2%0.47%vs
D. L. Evans BankBank Burley, ID76 out of 100, Strong$3.7B10.4%0.26%vs
First Federal Savings Bank of Twin FallsBank Twin Falls, ID76 out of 100, Strong$1.4B10.4%0.01%vs
Horizon Credit UnionCredit union Spokane Valley, WA75 out of 100, Strong$2.0B13.1%0.27%vs
Trugrocer Federal Credit UnionCredit union Boise, ID73 out of 100, Strong$320.1M16.0%0.81%vs
Bank of Eastern OregonBank Heppner, OR73 out of 100, Strong$933.6M11.6%1.22%vs