Idaho credit unions demonstrated robust momentum in Q3 2025, with asset growth accelerating to 3.49% from 3.18% quarter-over-quarter and loan growth surging to 2.34% from 1.07%. Year-over-year profitability strengthened significantly, with ROA climbing to 0.86% from 0.75% and NIM expanding to 3.67% from 3.49%. Risk metrics improved substantially, as delinquencies fell to 0.71% from 0.87% quarterly and 0.89% annually. However, net worth declined to 10.97% from 11.41% quarterly, signaling capital management challenges amid rapid expansion.
Idaho Credit Unions
ID Credit Unions
2025-Q3
26 Credit Unions
ID Credit Unions Post Strong Growth Acceleration While Maintaining Solid Profitability Despite Capital Pressure
Key Insights
Year-over-Year Changes
Indirect Auto Concentration (%) (Absolute)
▼
2024-Q3
→
2025-Q3
12.77% → 12.06%
(-5.52%)
First Mortgage Concentration (%) (Absolute)
▲
2024-Q3
→
2025-Q3
25.82% → 26.90%
(+4.19%)
Share Certificate Concentration (%) (Absolute)
▲
2024-Q3
→
2025-Q3
26.65% → 27.14%
(+1.84%)
Net Worth Ratio (Absolute)
▲
2024-Q3
→
2025-Q3
10.75% → 10.97%
(+0.22%)
Net Interest Margin (NIM) (Absolute)
▲
2024-Q3
→
2025-Q3
3.49% → 3.67%
(+0.18%)
Quarter-over-Quarter Changes
Asset Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
3.18% → 3.49%
(+0.30%)
Deposit Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
3.25% → 3.58%
(+0.33%)
Indirect Auto Concentration (%) (Absolute)
▼
2025-Q2
→
2025-Q3
12.31% → 12.06%
(-2.00%)
Loan Growth (YoY) (Absolute)
▲
2025-Q2
→
2025-Q3
1.07% → 2.34%
(+1.27%)
First Mortgage Concentration (%) (Absolute)
▲
2025-Q2
→
2025-Q3
26.87% → 26.90%
(+0.12%)
Key Metrics
Return on Assets
0.86%
▲ YoY8 basis points above national
Net Interest Margin
3.67%
▲ YoY6 basis points below national
Asset Growth
3.49%
— YoYMember Growth
0.59%
Delinquency Rate
0.71%
▼ YoYNet Worth Ratio
10.97%
AMR Growth
2.42%
Insufficient historical data for trend visualization
Deposit Growth
3.58%
— YoY
Insufficient historical data for trend visualization
Loan Growth
2.34%
— YoYMember Engagement
Member Growth (YoY %)
Member engagement remained stable in Q3 2025, with member growth holding steady at 0.59% quarter-over-quarter. This performance significantly outpaced the national average of -0.61%, positioning Idaho credit unions 1.20 percentage points above the industry benchmark and demonstrating resilient member retention.
Profitability
Return on Assets (%)
Net Interest Margin (%)
Profitability showed mixed quarterly performance but strong annual gains. ROA remained stable at 0.86% from 0.87% quarter-over-quarter but increased substantially from 0.75% year-over-year. NIM similarly held steady at 3.67% from 3.62% quarterly while expanding from 3.49% annually, reflecting improved pricing discipline.
Growth
Asset Growth (YoY %)
Member Growth (YoY %)
Growth momentum accelerated dramatically across all key metrics. Asset growth accelerated to 3.49% from 3.18% quarterly, loan growth surged to 2.34% from 1.07%, and deposit growth accelerated to 3.58% from 3.25%. All metrics substantially exceeded national benchmarks, with loan growth leading at 2.14 percentage points above industry average.
Risk & Credit Quality
Delinquency Rate (%)
Net Worth Ratio (%)
Risk profile improved significantly on both timeframes. Delinquencies decreased to 0.71% from 0.87% quarterly and from 0.89% year-over-year, positioning 14 basis points below the national 0.85%. However, net worth declined to 10.97% from 11.41% quarterly, though it increased from 10.75% annually.
Portfolio Mix
First Mortgage (%)
Indirect Auto (%)
Share Certificates (%)
Portfolio composition shifted toward real estate concentration. First mortgage exposure increased to 26.90% from 26.87% quarterly and rose 4.19 percentage points year-over-year. Indirect auto lending decreased to 12.06% from 12.31% quarterly and fell 5.52 percentage points annually, while certificate concentrations expanded across both periods.
Strategic Implications
- • Rapid loan growth acceleration suggests successful market penetration but requires careful capital management given declining net worth ratios.
- • Strong delinquency improvement provides capacity for continued aggressive lending while maintaining asset quality standards.
- • Portfolio shift toward first mortgages and away from indirect auto aligns with current rate environment opportunities.
- • Capital preservation strategies needed to support continued growth momentum while maintaining regulatory compliance buffers.
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Notable Patterns
How This Cohort Compares to National
Loan To Member Ratio (Annual) is 89.5pp above national
Assets Per Member (annual) is 26.9pp above national
Fee Income Per Member (quarterly) is 8.1pp above national
Certificate Pct is 7.5pp above national
First Mortgage Share is 5.1pp above national
Data Quality Notes
3 metric(s) had extreme values filtered using MAD-based, z-score > 5.0.
Net Worth Ratio (Absolute)
1 CU(s) excluded
Raw average: 11.38% →
Cleaned average: 10.97%
View excluded credit unions
- MEMBERS PREFERRED (82547) - 21.51%
Return on Assets (ROA) (Absolute)
1 CU(s) excluded
Raw average: 0.64% →
Cleaned average: 0.86%
View excluded credit unions
- SIMPLOT (63405) - -5.04%
Total Delinquency Rate (60+ days) (Absolute)
1 CU(s) excluded
Raw average: 0.95% →
Cleaned average: 0.71%
View excluded credit unions
- MINI-CASSIA EMPL. (82527) - 6.98%