TellerScore

Potlatch No. 1 Financial Credit Union (NCUA charter #68700) is based in Lewiston, Idaho. Its Q2 2026 call report shows $2.2B in total assets and $1.8B in member shares and deposits and 28 offices across 2 states.

Potlatch No. 1 Financial Credit Union has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 454 credit unions with $1 billion – $10 billion. Among 26 credit unions headquartered in Idaho, it ranks 14th. Problem-loan coverage contributes the most (92/100, 4.1%); capital cushion contributes the least (39/100, 8.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Net worth ratio: 8.87%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.40%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity65/100
Loans ÷ shares: 95.6% · 10.0% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.10%

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 3 points (59 → 62), mostly because the earnings component improved by 6 points.

TellerScore
515762Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202455
Q4 202451
Q1 202558
Q2 202559
Q3 202560
Q4 202560
Q1 202662
Q2 202662
Net worth ratio
7.00%7.93%8.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.17%
Q3 20248.33%
Q4 20248.18%
Q1 20258.32%
Q2 20258.43%
Q3 20258.66%
Q4 20258.75%
Q1 20268.85%
Q2 20268.87%
Delinquent loans (60+ days)
0.32%0.44%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.40%
Q3 20240.37%
Q4 20240.50%
Q1 20250.39%
Q2 20250.43%
Q3 20250.45%
Q4 20250.56%
Q1 20260.32%
Q2 20260.40%
Return on assets
-0.20%0.28%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.00%
Q3 20240.04%
Q4 2024-0.20%
Q1 20250.43%
Q2 20250.59%
Q3 20250.65%
Q4 20250.66%
Q1 20260.60%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$2.2B8.87%0.40%0.76%95.6%
Q1 202662$2.2B8.85%0.32%0.60%91.8%
Q4 202560$2.1B8.75%0.56%0.66%93.4%
Q3 202560$2.1B8.66%0.45%0.65%94.3%
Q2 202559$2.1B8.43%0.43%0.59%97.6%
Q1 202558$2.1B8.32%0.39%0.43%94.3%
Q4 202451$2.1B8.18%0.50%-0.20%94.0%
Q3 202455$2.1B8.33%0.37%0.04%93.8%
Q2 202454$2.2B8.17%0.40%0.00%94.5%

454 peers · $1 billion – $10 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 ratio8.87%
9th
Problem loans0.40%
80th
Net charge-offs0.50%
51st
Return on assets0.76%
44th
Loans to deposits95.6%
25th
Uninsured deposits10.0%
42nd
Loan-loss reserves0.00%
50th
Texas ratio4.1%
58th

Similar-size credit unions in Idaho

InstitutionScoreAssetsCapitalProblem loansCompare
Westmark Credit UnionCredit union Idaho Falls, ID57 out of 100, Moderate$1.7B8.1%0.30%vs
Capital Educators Federal Credit UnionCredit union Meridian, ID49 out of 100, Below average$1.4B8.4%1.03%vs

Deposit insurance

Is my money safe at Potlatch No. 1 Financial Credit Union?

Yes. Potlatch No. 1 Financial Credit Union is a federally insured credit union (NCUA charter #68700). 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 10.0% of shares and deposits ($184.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.87%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

28 locations

Branches

Potlatch No. 1 Financial Credit Union lists 28 offices in 25 cities across 2 states. Most locations:

  • Lewiston, ID (3)
  • Clarkston, WA (2)
  • Athol, ID (1)
  • Bonners Ferry, ID (1)
  • Brewster, WA (1)
  • Cle Elum, WA (1)
  • Colfax, WA (1)
  • Culdesac, ID (1)
  • Eagle, ID (1)
  • Garden City, ID (1)
  • Genesee, ID (1)
  • Grangeville, ID (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Potlatch No. 1 Financial Credit Union reported 1,247 home-loan applications under HMDA (LEI 254900LX8DA8FRHUUD51): 792 originated ($205,960,000 total), 129 denied, and 282 withdrawn or closed by the applicant. Its denial rate on decided applications was 13.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Potlatch No. 1 Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68700
RSSD ID
702975
Primary regulator
State + NCUA
Established
1938
Headquarters
1025 Warner Ave, Lewiston, ID 83501
Employees
395

Quick answers

Potlatch No. 1 Financial Credit Union: common questions

Is Potlatch No. 1 Financial Credit Union NCUA insured?

Yes. Potlatch No. 1 Financial Credit Union is a federally insured credit union (NCUA charter #68700). 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 Potlatch No. 1 Financial Credit Union's TellerScore?

62 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 Potlatch No. 1 Financial Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Lewiston

InstitutionScoreAssetsCapitalProblem loansCompare
Twin River BankBank Lewiston, ID89 out of 100, Very strong$173.0M12.8%0.16%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Lewis Clark Credit UnionCredit union Lewiston, ID67 out of 100, Moderate$270.4M11.0%0.62%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
WaFd BankBank Seattle, WA61 out of 100, Moderate$27.6B9.2%0.63%vs