TellerScore

Latah Credit Union (NCUA charter #97102) is based in Moscow, Idaho. Its Q2 2026 call report shows $170.4M in total assets and $151.0M in member shares and deposits and 4 offices.

Latah Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 1,341 credit unions with $100 million – $1 billion. Among 26 credit unions headquartered in Idaho, it ranks 4th. Funding & liquidity contributes the most (98/100, 63% loans-to-deposits, 0% uninsured); capital cushion contributes the least (67/100, 11.65%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.65%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.54%
Earnings86/100
Return on assets (annualized): 1.64%
Funding & liquidity98/100
Loans ÷ shares: 62.7% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.58%

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 (80 → 82), mostly because the capital cushion component improved by 10 points.

TellerScore
767982Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202477
Q1 202579
Q2 202580
Q3 202582
Q4 202580
Q1 202681
Q2 202682
Net worth ratio
7.00%9.32%11.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.30%
Q3 20249.52%
Q4 20249.87%
Q1 202510.20%
Q2 202510.66%
Q3 202511.06%
Q4 202511.25%
Q1 202611.29%
Q2 202611.65%
Delinquent loans (60+ days)
0.42%0.48%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.42%
Q4 20240.53%
Q1 20250.43%
Q2 20250.48%
Q3 20250.48%
Q4 20250.55%
Q1 20260.46%
Q2 20260.54%
Return on assets
1.59%1.71%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.61%
Q3 20241.65%
Q4 20241.62%
Q1 20251.73%
Q2 20251.76%
Q3 20251.82%
Q4 20251.61%
Q1 20261.59%
Q2 20261.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$170.4M11.65%0.54%1.64%62.7%
Q1 202681$169.2M11.29%0.46%1.59%61.3%
Q4 202580$164.0M11.25%0.55%1.61%64.0%
Q3 202582$163.0M11.06%0.48%1.82%63.9%
Q2 202580$161.5M10.66%0.48%1.76%63.4%
Q1 202579$161.8M10.20%0.43%1.73%60.9%
Q4 202477$160.1M9.87%0.53%1.62%59.2%
Q3 202477$159.3M9.52%0.42%1.65%58.9%
Q2 202476$155.4M9.30%0.42%1.61%60.0%

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 ratio11.65%
53rd
Problem loans0.54%
61st
Net charge-offs0.14%
79th
Return on assets1.64%
92nd
Loans to deposits62.7%
74th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio2.6%
68th

Similar-size credit unions in Idaho

InstitutionScoreAssetsCapitalProblem loansCompare
Northwest Christian Credit UnionCredit union Nampa, ID58 out of 100, Moderate$105.6M8.3%0.80%vs
Clarity Credit UnionCredit union Nampa, ID59 out of 100, Moderate$235.6M9.7%0.99%vs
Connections Credit UnionCredit union Pocatello, ID50 out of 100, Below average$256.1M8.5%1.27%vs
Lewis Clark Credit UnionCredit union Lewiston, ID67 out of 100, Moderate$270.4M11.0%0.62%vs
Cottonwood Community Federal Credit UnionCredit union Cottonwood, ID81 out of 100, Strong$285.5M14.9%1.39%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 Latah Credit Union?

Latah Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) 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 11.65%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Latah Credit Union lists 4 offices in 4 cities. Most locations:

  • Kendrick, ID (1)
  • Moscow, ID (1)
  • Plummer, ID (1)
  • Potlatch, ID (1)

All branch addresses and map

Identity & history

Profile

Legal name
Latah Credit Union
Type
Non-federally insured state credit union
NCUA charter #
97102
RSSD ID
360683
Primary regulator
State + NCUA
Established
1969
Headquarters
Po Box 9286, Moscow, ID 83843
Employees
24

Quick answers

Latah Credit Union: common questions

Is Latah Credit Union NCUA insured?

Latah Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Latah Credit Union's TellerScore?

82 out of 100 (Strong), 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 Latah Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Moscow

InstitutionScoreAssetsCapitalProblem loansCompare
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Zions Bancorporation, N.A.Bank Salt Lake City, UT67 out of 100, Moderate$89.0B9.4%0.47%vs
Columbia BankBank Roseburg, OR64 out of 100, Moderate$65.4B9.7%0.57%vs
Potlatch No. 1 Financial Credit UnionCredit union Lewiston, ID62 out of 100, Moderate$2.2B8.9%0.40%vs
JPMorgan Chase Bank, National AssociationBank Columbus, OH61 out of 100, Moderate$4.1T7.5%0.78%vs
WaFd BankBank Seattle, WA61 out of 100, Moderate$27.6B9.2%0.63%vs