Headquartered in St Maries, Idaho, St Joe Valley Credit Union is a non-federally insured state credit union with $14.0M in total assets and $12.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1959.
Based on its Q2 2026 filing, St Joe Valley Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 26 credit unions headquartered in Idaho, it ranks 7th. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 0% uninsured), and its lowest is capital cushion (66/100; 11.62%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 72 |
| Q4 2024 | 77 |
| Q1 2025 | 74 |
| Q2 2025 | 79 |
| Q3 2025 | 77 |
| Q4 2025 | 80 |
| Q1 2026 | 81 |
| Q2 2026 | 80 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.51% |
| Q3 2024 | 9.62% |
| Q4 2024 | 10.03% |
| Q1 2025 | 10.40% |
| Q2 2025 | 10.95% |
| Q3 2025 | 11.05% |
| Q4 2025 | 10.94% |
| Q1 2026 | 11.38% |
| Q2 2026 | 11.62% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.43% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.39% |
| Q1 2026 | 0.44% |
| Q2 2026 | 0.59% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.33% |
| Q4 2024 | 1.42% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.46% |
| Q3 2025 | 1.49% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 80 | $14.0M | 11.62% | 0.59% | 1.45% | 54.3% |
| Q1 2026 | 81 | $13.9M | 11.38% | 0.44% | 1.50% | 52.6% |
| Q4 2025 | 80 | $14.0M | 10.94% | 0.39% | 1.47% | 50.0% |
| Q3 2025 | 77 | $13.3M | 11.05% | 0.84% | 1.49% | 52.0% |
| Q2 2025 | 79 | $12.9M | 10.95% | 0.49% | 1.46% | 54.8% |
| Q1 2025 | 74 | $13.1M | 10.40% | 0.51% | 1.14% | 55.3% |
| Q4 2024 | 77 | $13.2M | 10.03% | 0.43% | 1.42% | 55.1% |
| Q3 2024 | 72 | $13.2M | 9.62% | 0.62% | 1.33% | 57.8% |
| Q2 2024 | 70 | $12.7M | 9.51% | 0.73% | 1.15% | 61.1% |
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).
Similar-size credit unions in Idaho
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Snake River Federal Credit UnionCredit union Twin Falls, ID | 82 out of 100, Strong | $12.0M | 15.4% | 0.15% | vs |
| Boise Fire Department Credit UnionCredit union Boise, ID | 62 out of 100, Moderate | $8.6M | 16.6% | 1.93% | vs |
| Mini-Cassia Empl. Credit UnionCredit union Burley, ID | 59 out of 100, Moderate | $574K | 15.4% | 2.42% | vs |
| Sei Federal Credit UnionCredit union Pocatello, ID | 51 out of 100, Below average | $33.4M | 8.3% | 0.68% | vs |
| Simplot Credit UnionCredit union Pocatello, ID | 86 out of 100, Very strong | $59.0M | 21.9% | 0.30% | vs |
| Members Preferred Credit UnionCredit union Idaho Falls, ID | 87 out of 100, Very strong | $62.9M | 20.7% | 1.01% | vs |
Deposit insurance
Is my money safe at St Joe Valley Credit Union?
St Joe Valley 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, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 11.62%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
St Joe Valley Credit Union lists 1 office in 1 city. Most locations:
- St Maries, ID (1)
Identity & history
Profile
- Legal name
- St Joe Valley Credit Union
- Type
- Non-federally insured state credit union
- NCUA charter #
- 97066
- RSSD ID
- 970091
- Primary regulator
- State + NCUA
- Established
- 1959
- Headquarters
- P O Box 216, St Maries, ID 83861
- Employees
- 7
Quick answers
St Joe Valley Credit Union: common questions
Is St Joe Valley Credit Union NCUA insured?
St Joe Valley 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 St Joe Valley Credit Union's TellerScore?
80 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 St Joe Valley Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near St Maries
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Latah Credit UnionCredit union Moscow, ID | 82 out of 100, Strong | $170.4M | 11.7% | 0.54% | vs |
| Banner BankBank Walla Walla, WA | 72 out of 100, Strong | $16.6B | 11.2% | 0.46% | vs |
| Columbia BankBank Roseburg, OR | 64 out of 100, Moderate | $65.4B | 9.7% | 0.57% | vs |
| Potlatch No. 1 Financial Credit UnionCredit union Lewiston, ID | 62 out of 100, Moderate | $2.2B | 8.9% | 0.40% | vs |
| U.S. Bank National AssociationBank Cincinnati, OH | 55 out of 100, Moderate | $705.6B | 9.5% | 1.45% | vs |