IDAHO CENTRAL
Charter #63194 · Chubbuck, ID · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 788,996 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.28% sits at the 8th percentile of structural peers — worth a closer look.
- Return on average assets of 1.06% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.87% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.16% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | IDAHO CENTRAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.95B | 97th pct | 97th pct |
| Members | 788,996 | 97th pct | 95th pct |
| Net worth ratio | 8.28% | 5th pct | 8th pct |
| Return on average assets | 1.06% | 77th pct | 79th pct |
| Net interest margin | 2.87% | 19th pct | 18th pct |
| Cost of funds | 0.16% | 5th pct | 7th pct |
| Loan-to-share | 97.81% | 85th pct | 74th pct |
| Delinquency 60+ days | 0.43% | 30th pct | 36th pct |
| Net charge-off ratio | 0.38% | 32th pct | 28th pct |
| Loan growth YoY | 7.20% | 91th pct | 95th pct |
| Share growth YoY | 8.08% | 87th pct | 95th pct |
| Efficiency ratio | 64.52% | 22th pct | 28th pct |
structural peer set hash: 245fcc96b7603c5ea14caae171b4a1f7… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.