Credit Union Safety Analysis
Is Latah Credit Union Safe? Moscow, Idaho
Based on its Q2 2026 NCUA 5300 call report, Latah Credit Union has a net worth ratio of 11.65%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.54%, 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, Latah Credit Union's net worth ratio is 11.65%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.65%
- Delinquency ratio (60+ days) (Q2 2026): 0.54%
- Return on assets (Q2 2026): 1.71%
- Loan-to-share ratio (Q2 2026): 62.74%
Latah Credit Union (NCUA charter 97102, established 1969) reported $170.4M in assets and 8,344 members for Q2 2026 from Moscow, Idaho. It ranks 16 of 26 credit unions in Idaho by total assets. Total assets grew 5.5% from $161.5M on June 30, 2025. It has 244 more members than on June 30, 2025 (+3.0%). Its net worth ratio was up 0.99 percentage points from 10.66% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $45.9M of $94.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.54% is below 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: 11.29% for Q1 2026; 10.66% 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: 0.46% for Q1 2026; 0.48% 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: 1.59% for Q1 2026; 1.79% 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: 61.32% for Q1 2026; 63.44% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $45.9M
- Commercial loans: $24.0M
- Used vehicle loans: $11.0M
- Other secured non-real estate loans and lines of credit: $7.3M
- Other unsecured loans and lines of credit: $2.7M
- New vehicle loans: $2.5M
- Unsecured credit card loans: $1.3M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $170.4M | 11.65% | 0.54% | 1.71% | 62.74% |
| March 31, 2026 | $169.2M | 11.29% | 0.46% | 1.59% | 61.32% |
| December 31, 2025 | $164.0M | 11.25% | 0.55% | 1.00% | 64.02% |
| September 30, 2025 | $163.0M | 11.06% | 0.48% | 1.99% | 63.87% |
| June 30, 2025 | $161.5M | 10.66% | 0.48% | 1.79% | 63.44% |
| March 31, 2025 | $161.8M | 10.20% | 0.43% | 1.73% | 60.88% |
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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.
Regulator records: NCUA credit union profile (charter 97102) · FFIEC NIC profile (RSSD 360683)
Frequently asked questions
Is Latah Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Latah Credit Union's net worth ratio is 11.65%, above the 7% NCUA threshold for well capitalized.
Is Latah Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Latah Credit Union is a federally insured credit union (NCUA charter 97102): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Latah Credit Union's key safety ratios?
For Q2 2026, Latah Credit Union reports net worth 11.65%, delinquency 0.54%, ROA 1.71%, loan-to-share 62.74%.
What happens to my money if Latah Credit Union fails?
For Q2 2026, Latah Credit Union held $151.0M in shares and deposits for 8,344 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.