Credit Union Safety Analysis
Is Clarity Credit Union Safe? Nampa, Idaho
Based on its Q2 2026 NCUA 5300 call report, Clarity Credit Union has a net worth ratio of 9.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.99%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Clarity Credit Union's net worth ratio is 9.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.74%
- Delinquency ratio (60+ days) (Q2 2026): 0.99%
- Return on assets (Q2 2026): 0.11%
- Loan-to-share ratio (Q2 2026): 76.59%
Clarity Credit Union (NCUA charter 68295, established 1948) reported $235.6M in assets and 19,344 members for Q2 2026 from Nampa, Idaho. It ranks 15 of 26 credit unions in Idaho by total assets. Total assets grew 10.8% from $212.6M on June 30, 2025. It has 639 more members than on June 30, 2025 (+3.4%). Its net worth ratio was down 0.62 percentage points from 10.36% on June 30, 2025. Used vehicle loans are its largest loan category, $64.3M of $165.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.99% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.97% for Q1 2026; 10.36% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.00% for Q1 2026; 1.67% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.60% for Q1 2026; 1.39% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 78.67% for Q1 2026; 73.09% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $64.3M
- 1- to 4-family residential and other consumer real estate loans: $59.9M
- Other secured non-real estate loans and lines of credit: $18.9M
- Other unsecured loans and lines of credit: $7.8M
- Unsecured credit card loans: $7.4M
- New vehicle loans: $7.4M
- Commercial loans: $315K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $235.6M | 9.74% | 0.99% | 0.11% | 76.59% |
| March 31, 2026 | $231.4M | 9.97% | 1.00% | 0.60% | 78.67% |
| December 31, 2025 | $223.5M | 10.04% | 1.23% | 0.60% | 81.22% |
| September 30, 2025 | $217.1M | 9.98% | 1.29% | -0.39% | 81.50% |
| June 30, 2025 | $212.6M | 10.36% | 1.67% | 1.39% | 73.09% |
| March 31, 2025 | $211.3M | 10.43% | 1.26% | 0.86% | 72.99% |
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Free to use. It shows Clarity Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 68295) · FFIEC NIC profile (RSSD 761075)
Frequently asked questions
Is Clarity Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Clarity Credit Union's net worth ratio is 9.74%, above the 7% NCUA threshold for well capitalized.
Is Clarity Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Clarity Credit Union is a federally insured credit union (NCUA charter 68295): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Clarity Credit Union's key safety ratios?
For Q2 2026, Clarity Credit Union reports net worth 9.74%, delinquency 0.99%, ROA 0.11%, loan-to-share 76.59%.
What happens to my money if Clarity Credit Union fails?
For Q2 2026, Clarity Credit Union held $216.6M in shares and deposits for 19,344 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.