Snake River Federal Credit Union Twin Falls, Idaho
Snake River Federal Credit Union is a federal credit union headquartered in Twin Falls, ID, established in 1953 (NCUA charter 8749), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,274 members and total assets of $12.0M (down 6.6% from Q2 2025), the 24th largest of 26 credit unions headquartered in Idaho. Its net worth ratio was 15.44% at Q2 2026, in the well capitalized band.
Also written as Snake River FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 8749
- Headquarters
- Twin Falls, ID
- Established
- 1953
- Total assets, Q2 2026
- $12.0M
- Assets vs Q2 2025
- -6.6%
- Members, Q2 2026
- 1,274
- Net worth ratio, Q2 2026
- 15.44%
- Latest call report
- Q2 2026, NCUA 5300 · Snake River Federal Credit Union call report
- Asset rank in state
- 24th of 26 in Idaho
- Routing number
- 324173943
- Branches
- 2
It has 5 more members than on June 30, 2025 (+0.4%). Its net worth ratio was up 1.93 percentage points from 13.51% on June 30, 2025. Used vehicle loans are its largest loan category, $4.2M of $10.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.15% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 15.44% net worth ratio is above that band's 14.31% median.
Frequently asked about Snake River Federal Credit Union
How big is Snake River Federal Credit Union?
At Q2 2026 it reported total assets of $12.0M and 1,274 members.
Where is Snake River Federal Credit Union headquartered?
It is headquartered in Twin Falls, ID, United States.
When was Snake River Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is Snake River Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8749): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Snake River Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Snake River Federal Credit Union well capitalized?
Its net worth ratio was 15.44% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Snake River Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.15% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Snake River Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 108.55% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Twin Falls, ID 83301
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 8749
- RSSD ID
- 267483
- Members
- 1,274
- Potential members
- 2,548
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.44% | 14.31% | 56th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.60% | 0.72% | 45th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.87% | 4.74% | 44th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.42% | 3.93% | 70th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 81.49% | 79.83% | 46th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.51% | 0.78% | 17th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.15% | 0.86% | 88th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.93% | 4.70% | 87th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 108.55% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$12.0M total assets against $12.8M; $9.9M total shares and deposits against $11.0M; $10.9M total loans against $10.3M.
$1.8M net worth against $1.7M.
15.44% net worth ratio against 13.51%.
108.55% loan-to-share ratio against 93.20%.
0.15% delinquency ratio against 0.37%.
0.60% return on assets against 0.33%; 3.87% return on equity against 2.45%.
4.42% net interest margin against 3.71%.
1,274 members against 1,269.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.44% | 0.60% | 0.15% | 108.55% |
| March 31, 2026 | 15.42% | 0.98% | 0.35% | 106.32% |
| December 31, 2025 | 14.35% | 1.24% | 0.47% | 97.93% |
| September 30, 2025 | 15.55% | 1.18% | 0.51% | 109.81% |
| June 30, 2025 | 13.51% | 0.33% | 0.37% | 93.20% |
| March 31, 2025 | 14.04% | 0.02% | 0.17% | 92.32% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.