IDAHO UNITED
Charter #68361 · Boise, ID · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.53% sits at the 16th percentile of structural peers — worth a closer look.
- Return on average assets of -0.04% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 2.05% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 91.87% sits at the 85th percentile of structural peers — worth a closer look.
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 UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $78.16M | 64th pct | 51th pct |
| Members | 5,856 | 63th pct | 48th pct |
| Net worth ratio | 8.53% | 6th pct | 16th pct |
| Return on average assets | -0.04% | 13th pct | 8th pct |
| Net interest margin | 3.65% | 48th pct | 33th pct |
| Cost of funds | 2.05% | 93th pct | 90th pct |
| Loan-to-share | 84.91% | 89th pct | 59th pct |
| Delinquency 60+ days | 0.05% | 7th pct | 7th pct |
| Net charge-off ratio | 0.35% | 60th pct | 64th pct |
| Loan growth YoY | 5.11% | 92th pct | 84th pct |
| Share growth YoY | 5.99% | 81th pct | 75th pct |
| Efficiency ratio | 91.87% | 85th pct | 85th pct |
structural peer set hash: df9d9a5890fbacbd707c949eaf5e0ab6… (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.