# IDAHO CENTRAL
Chubbuck, ID · NCUA charter 63194 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/idaho-central-63194

Who the members are: state charter, organized 1940, low-income designated. 788,996 members of 2,176,000 potential (36.3% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 57.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.95B |
| Members | 788,996 (11.4% YoY) |
| Full-time staff | 1972 |
| Net worth | $1.24B |
| Net worth ratio | 8.3% (p4 of band) |
| ROA (annualized) | 1.06% (p67 of band) |
| Total delinquency | 0.43% (p25 of band) |
| Net charge-offs (annualized) | 0.38% (p21 of band) |
| Loans / shares | 98% (p92 of band) |
| Cash / assets | 5.8% |
| Borrowings / assets | 1.82% |
| Net interest margin | 2.85% (p33 of band) |
| Operating expense / assets | 2.55% (p54 of band) |
| Vehicles % of loans | 36% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 96% |
| Third-party paper % of net worth | 378% (p100 of band) |
| Vehicle delinquency | 0.50% (p33 of band) |
| Vehicle NCO | 0.47% (p12 of band) |
| Repossessed % of vehicle book | 0.00% (p8 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 150% |
| Core shares % of member funds | 31% |
| Certificates % of member funds | 33% |
| Average share balance | $8,326 |
| Participations bought / yr | $0 |
| Participations sold / yr | $916.9M |
| Participations outstanding | $211.6M |
| Loans outstanding per 100 members | 57% |
| Loans granted per 100 members, annualized | 17% |
| Average loan balance | $28,816 |
| Loans granted, annualized | $7.95B |

## Participation posture (from the same filings)

Bought $0 and sold $916.9M in the latest annualized quarter; $211.6M outstanding purchased (17.1% of net worth), $53.6M sold and retained. Sold in 3 and bought in 1 of the last 8 quarters. Shares 16.5% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **loans>95% of shares** (`str_ltos`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 4 | leaning on borrowings |  |
| 2016-09 | 3 |  | leaning on borrowings |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 5 | net worth falling |  |
| 2017-09 | 3 |  | delinquency rising, net worth falling |
| 2017-12 | 4 | leaning on borrowings |  |
| 2018-03 | 3 |  | leaning on borrowings |
| 2018-06 | 4 | leaning on borrowings |  |
| 2018-09 | 4 |  |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 5 | net worth falling |  |
| 2020-03 | 5 |  |  |
| 2020-06 | 6 | margin squeeze |  |
| 2020-09 | 4 |  | loans>95% of shares, net worth falling |
| 2020-12 | 3 |  | leaning on borrowings |
| 2021-03 | 2 |  | margin squeeze |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 | loans>95% of shares | net worth falling |
| 2022-09 | 4 | leaning on borrowings |  |
| 2022-12 | 5 | delinquency rising |  |
| 2023-03 | 5 | net worth falling | leaning on borrowings |
| 2023-06 | 4 |  | net worth falling |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 4 | net worth falling |  |
| 2026-03 | 3 |  | net worth falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-10-25 [ICCU Arena - University of Idaho Athletics](https://news.google.com/rss/articles/CBMiWkFVX3lxTFBHYWwyUnF5OGt1V1F6eWtIdEJudXNlY1FCSFJhb3JiU0pHRTBqd1QzelN6enhYcWg1cmxndnpPMFRuLVU3YmJNN204MVNtRzR2dGdCVFMxdmFtZw?oc=5) · University of Idaho Athletics
- 2025-01-31 [Idaho Central Credit Union rebranding, merging with another credit union - BoiseDev](https://news.google.com/rss/articles/CBMirgFBVV95cUxOdkZ3Z0t6cmg2Q25EOVBTa19nbkNYRnNiN0hLU1ZZN01idTNwMXFCcjRYNnlZM2xhZHNCbFBJaTlGQTdhZTU0TUhxalFWS2dfVGlyN1hvZU5TNnhoOWVxZmtSVGY2cFlic2RmcG53VU1zcWlIQjNaRS1XSmFqSFVyRHJKMThRVS1OVEJKVW1WbGNmWnhSTUQ3NVpuN2VibmdjX1g5Wm90cGVRUHdCMkE?oc=5) · BoiseDev
- 2024-04-15 [University of Idaho Central Credit Union Arena / Opsis Architecture - ArchDaily](https://news.google.com/rss/articles/CBMinwFBVV95cUxQdzJQMjVSWmJ1aGZzZ2NPLVA1NGhNdHRleUdCYzJHLS1HenRBMDRHT0Q4MEdsSzJhbV83WWhVWjZOa1pFRlhrN1BGY3E3SHh4OHJlajlUazRFVGJBdXN4emx1SGtIZDFaRF9JTVJzbnYwMzJUUHZKOFlDSHUxRUVHSEZtYWtOcnRWRVExNXRvd19uS2JEN2RFd3ZLTjdfNzg?oc=5) · ArchDaily
- 2024-09-27 [Tri-Cities credit union market gets more competitive. Idaho’s giant plans big expansion - Tri-City Herald](https://news.google.com/rss/articles/CBMidEFVX3lxTE8taFB0RWxJUXl3UTFLSjZZeFNkLW1jZU9yUUpQTTRzTlQyN0MzVXViMXJMaDlLZjA3eTdsQTBBRElsckhTcmQxRzZyNWVIcDFTeFBLX1RGa1pNazlfZHBJdTRUc0tlckxncTZqbG5aYmVNODFm?oc=5) · Tri-City Herald
- 2022-05-31 [Shelli Bardsley retires from ICCU after 40 years - Idaho State Journal](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQbUdLcGc4bW1hamVxNlpqYXdKaUNJTFMwRmFqeXdhOG1uUUV6N3c1NUhvWERfTGpTR3U5c0F2ZnZlWDlFbmNGQ3d2ZkFpNzlsejk5dVZPTl9HcUVRcjYyUXVTVDdnOUo5OTdtTDVVRlp2Q0xRUVFseE1iNG1WT2pETlRWT2dPdERyVERobWhsenVnRzJxR3ZTc0szeFpiakNybnYtdk1lcHVzcWVHTWZGQV9lb0hMOFQ3bGtJOExwWjBhMEQxVTVTM3NPaExfcWphcjhzZ1FXeXBfQQ?oc=5) · Idaho State Journal
- 2023-06-14 [Idaho Central opens new branch in Fruitland - Idaho Business Review](https://news.google.com/rss/articles/CBMikAFBVV95cUxQZ3Z6dGRiQm9uM0lyWHdMZTBfcC1fSUV2Ym5YQ3hHX08xS0hMcmxmVDNEWXRNamk0c0RvQTlES1J5aUtPTzZtYVc2anpSWkVKOHFnemJvMVBRdnJKcFBaRHAtRVJuY2w1V3gxeFIzeW9oU3ozZEl2NjhfQzlSNEVRMEFLYnZDTTdrUnl3c0NsaGI?oc=5) · Idaho Business Review
- 2025-07-13 [West Boise ICCU drive-thru destroyed in sudden structure collapse - Idaho News 6](https://news.google.com/rss/articles/CBMioAFBVV95cUxPV2d5Z0RLX2R3Vy1pelA4c09DbE9SdEszT3BzZlVGZGQ5TEVKWTcxYUExS2J5c1kwUkxRR29vZjNtSjVIY1ptOFp0QXNpSGFKYW1fT0dPUS1Nb0JDNm5IRkxWc3N0MVFXaFA4djUyTG0wd25sWGpEck54RHlOS1BwbThVX0pKWXYtYUUwTnVPdHFXeGlnSkpXclBTMTJVaXlh?oc=5) · Idaho News 6
- 2025-07-13 [Drive-thru ceiling at ICCU in west Boise collapses - ktvb.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxQM1FBNm1laUpYUzRBekt3aTdWeUFmbFJ0NUN3dTJXNkowS3h5cTQ3cnlFR0ZiRzJlVkVidGdNdUw1T25GVHpnUVFyakxHdHQ2V2xDUEF6UFFKMlpwMmlmZVJSSWhaUVYxYWt3Y3ZhU2RhS2RYMm5Ec2I2N1FES2QzdE1EcUx6VkZKWjZfZHI5bHAxNjJhZjB4THdiNXJZWWxQWl92N2d3SGN3ZjRJVzFsc0tCbE45b3NlY0c2Wkd3TQ?oc=5) · ktvb.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63194 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/26.json (key "63194", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63194
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide