Idaho Credit Unions

Member engagement strengthened with growth accelerating to 1.25% in Q4 2025 from 0.59% in Q3 2025, though decelerating from 4.85% year-over-year. The cohort significantly outperformed the national benchmark of -0.69%, indicating strong member retention and acquisition capabilities despite broader industry challenges.

Profitability remained stable with ROA holding at 0.83%, unchanged from Q3 2025 but up 17 basis points year-over-year from 0.66%. NIM remained steady at 3.66% quarterly while improving 20 basis points annually. Fee income increased to 168.91% from 164.99% QoQ, substantially exceeding national levels.

Growth accelerated across all metrics in Q4 2025, with asset growth reaching 4.45% from 3.49% QoQ, though decelerating from 5.19% YoY. Loan growth accelerated to 3.41% from 2.34% quarterly, while deposit growth accelerated to 4.37% from 3.58%, both significantly outpacing national benchmarks.

Risk profile showed mixed signals with delinquencies increasing to 0.89% from 0.71% quarter-over-quarter but remaining stable from 0.94% year-over-year. Net worth strengthened to 11.47% from 10.97% QoQ and 11.21% YoY, though remaining 2.21 percentage points below the national benchmark of 13.68%.

Portfolio composition shifted toward real estate with first mortgage concentration increasing to 27.22%, up 1.00 percentage point year-over-year and 5.25 points above national levels. Certificate concentration rose to 27.24%, up 0.75 points annually, while indirect auto exposure decreased to 11.91%, down 0.67 points YoY.