Credit Union Safety Analysis
Is Idaho Central Credit Union Safe? Chubbuck, Idaho
Based on its Q2 2026 NCUA 5300 call report, Idaho Central Credit Union has a net worth ratio of 8.33%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.46%, 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, Idaho Central Credit Union's net worth ratio is 8.33%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.33%
- Delinquency ratio (60+ days) (Q2 2026): 0.46%
- Return on assets (Q2 2026): 1.29%
- Loan-to-share ratio (Q2 2026): 101.40%
Idaho Central Credit Union (NCUA charter 63194, established 1940) reported $15.52B in assets and 821,866 members for Q2 2026 from Chubbuck, Idaho. It is the largest of 26 credit unions in Idaho by total assets. Total assets grew 16.9% from $13.27B on June 30, 2025. It has 92,928 more members than on June 30, 2025 (+12.7%). Its net worth ratio was down 0.09 percentage points from 8.42% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $5.78B of $13.76B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 8.28% for Q1 2026; 8.42% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 0.43% for Q1 2026; 0.38% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 1.06% for Q1 2026; 1.05% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 97.81% for Q1 2026; 96.92% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $5.78B
- Used vehicle loans: $2.50B
- New vehicle loans: $2.48B
- Commercial loans: $1.97B
- Other secured non-real estate loans and lines of credit: $442.5M
- Unsecured credit card loans: $309.1M
- Other unsecured loans and lines of credit: $270.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $15.52B | 8.33% | 0.46% | 1.29% | 101.40% |
| March 31, 2026 | $14.95B | 8.28% | 0.43% | 1.06% | 97.81% |
| December 31, 2025 | $14.76B | 8.13% | 0.45% | 0.96% | 100.46% |
| September 30, 2025 | $13.90B | 8.38% | 0.39% | 1.39% | 98.62% |
| June 30, 2025 | $13.27B | 8.42% | 0.38% | 1.05% | 96.92% |
| March 31, 2025 | $12.89B | 8.40% | 0.41% | 0.81% | 97.53% |
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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.
Idaho Central Credit Union profile
Regulator records: NCUA credit union profile (charter 63194) · FFIEC NIC profile (RSSD 322793)
Frequently asked questions
Is Idaho Central Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Idaho Central Credit Union's net worth ratio is 8.33%, above the 7% NCUA threshold for well capitalized.
Is Idaho Central Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Idaho Central Credit Union is a federally insured credit union (NCUA charter 63194): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Idaho Central Credit Union's key safety ratios?
For Q2 2026, Idaho Central Credit Union reports net worth 8.33%, delinquency 0.46%, ROA 1.29%, loan-to-share 101.40%.
What happens to my money if Idaho Central Credit Union fails?
For Q2 2026, Idaho Central Credit Union held $13.57B in shares and deposits for 821,866 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.