# IDAHO UNITED
Boise, ID · NCUA charter 68361 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/idaho-united-68361

Who the members are: state charter, organized 1978. 5,856 members of 10,000 potential (58.6% of the field); checking penetration 33% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *too clean*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $78.2M |
| Members | 5,856 (0.9% YoY) |
| Full-time staff | 15 |
| Net worth | $6.7M |
| Net worth ratio | 8.5% (p7 of band) |
| ROA (annualized) | -0.04% (p13 of band) |
| Total delinquency | 0.05% (p7 of band) |
| Net charge-offs (annualized) | 0.34% (p60 of band) |
| Loans / shares | 85% (p89 of band) |
| Cash / assets | 20.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.53% (p43 of band) |
| Operating expense / assets | 3.58% (p51 of band) |
| Vehicles % of loans | 32% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 28% |
| Third-party paper % of net worth | 79% (p81 of band) |
| Vehicle delinquency | 0.17% (p22 of band) |
| Vehicle NCO | 1.19% (p85 of band) |
| Repossessed % of vehicle book | 0.12% (p86 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 44% |
| Average share balance | $7,045 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $27,573 |
| Loans granted, annualized | $20.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 7 | thin capital, capital below 7%, losing money, repo signal, 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 7 |  |  |
| 2016-09 | 7 | net worth falling | repo signal |
| 2016-12 | 8 | repo signal |  |
| 2017-03 | 6 |  | losing money, auto monoline |
| 2017-06 | 5 |  | net worth falling |
| 2017-09 | 6 | members leaving |  |
| 2017-12 | 5 |  | members leaving |
| 2018-03 | 5 | delinquency rising | repo signal |
| 2018-06 | 4 |  | delinquency rising |
| 2018-09 | 4 | delinquency rising, assets shrinking | capital below 7% |
| 2018-12 | 4 | repo signal | assets shrinking |
| 2019-03 | 4 | net worth falling | delinquency rising |
| 2019-06 | 3 |  | net worth falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 2 |  | repo signal |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | repo signal |  |
| 2020-12 | 4 | net worth falling |  |
| 2021-03 | 5 | margin squeeze |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 3 |  | repo signal, net worth falling |
| 2021-12 | 3 | delinquency rising | margin squeeze |
| 2022-03 | 2 |  | delinquency rising |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2022-12 | 2 | loans>95% of shares | delinquency rising |
| 2023-03 | 1 |  | loans>95% of shares |
| 2023-06 | 2 | 3rd-party paper>100% NW |  |
| 2023-09 | 3 | loans>95% of shares |  |
| 2023-12 | 3 | delinquency rising | loans>95% of shares |
| 2024-03 | 3 | net worth falling | 3rd-party paper>100% NW |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 2 |  | net worth falling |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 0 |  | thin capital, delinquency rising |
| 2026-03 | 2 | thin capital, losing money |  |

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

- 2026-07-17 [United Methodist conference to move meeting out of Idaho, citing LGBTQ+, immigrant safety concerns - Idaho State Journal](https://news.google.com/rss/articles/CBMimgJBVV95cUxPRktXRy1PcFNIUUxUT1UwWWpYcFNBWWFUZERpcHVrZkhUeFB6MjlVeWlKeTFWMUgzMU40bzN2OWxSV2F1cFgwOUV0bDJFdUlDN1k2NXVQbkoyODlpbE1BRTdoX1lwbmk3ckhsRjJwZXBISmgzV25xNDJWbGVxT1hwR0tLcnBza0wteUdKMXBJT0I3X0VCVU1Td3lxLVk5QXR5Ym11NGIwTmswZmZZcFZMTHFMczZfQ2xvaEVEOEM3dGFhWjlXaXM1NkdyM0h6SXdlYzYzZDB4UVlBSzNzNEZzVmRrdmh5RkFaSHBoWDJibnV6TFF0UzRXaklHMEY3SjdvcEkxT3V4SjVXNUhsRGY5Tmg4cjM2NDN0YWc?oc=5) · Idaho State Journal
- 2024-04-15 [University of Idaho Central Credit Union Arena / Opsis Architecture - ArchDaily](https://news.google.com/rss/articles/CBMinwFBVV95cUxQdzJQMjVSWmJ1aGZzZ2NPLVA1NGhNdHRleUdCYzJHLS1HenRBMDRHT0Q4MEdsSzJhbV83WWhVWjZOa1pFRlhrN1BGY3E3SHh4OHJlajlUazRFVGJBdXN4emx1SGtIZDFaRF9JTVJzbnYwMzJUUHZKOFlDSHUxRUVHSEZtYWtOcnRWRVExNXRvd19uS2JEN2RFd3ZLTjdfNzg?oc=5) · ArchDaily
- 2021-11-29 [One week to go for Idaho's Largest Toy Drive - KBOI](https://news.google.com/rss/articles/CBMiggFBVV95cUxPYWVmNWRVbGZweTdHeUNPSU5hb1VDYnJkZXVnU3Z4X3Z1SnpKQ2Z0RktYR1ZNZ1plc2xqVU1zaWZtbm81MFNPOUR3RDV4dTg4ZXp5MXRYbjJtdlEtWWxmcV9Qc3d5WGdfN0V1NVJQcmltTGUzVmFOVnpEbzZ3ay01OGdB?oc=5) · KBOI
- 2021-11-28 [Donate new, unwrapped toys to Idaho's largest toy drive - KBOI](https://news.google.com/rss/articles/CBMijwFBVV95cUxPZ2ZYMzkxdjhKUUJVRWZEeFl1NlBJVEhQYkNBZ0tCRFlfcERvekNMVEFIRmNoVERnRXN4QkZCMlFJMjN1WDBwWUdya3lOMmJXYUFYQ0NQT2FqSzZKcUdQcFBJR2RrWGxmQmFKQnFzZ0pGa2JTR0p1bGVwZGdtNkFuajlLcnpmeTdLTHphcHFkNA?oc=5) · KBOI
- 2026-07-13 ['I think I'm more qualified than a rancher': Democratic candidate Terri Pickens stumps in Pocatello as part of East Idaho campaign swing - Idaho State Journal](https://news.google.com/rss/articles/CBMimgJBVV95cUxPNFpRbkN0U1B2Ulp1djdTVERpYlY1NlAzdHpCQnFaQ3ljYm0xUkx2djF4dWZ0Zlpzck54SncxU1NRZ1p5QVE1aVVpUEFvYVJ1bXJqVkRnMGs1VkZtMmVxUHduSEVwWEpsQ2pLU3dmdW9kVHR2bnJQdEgxaUxRSkY2WlFBWEEzTjFKdE1KR0xBQ0c4Rkdkblh3TV9Bb0t6UFZ0QmxxR2lDWVdiMk5BYjFHZmEtWm01cGhkSk1HSzhLUGFZV0JNcWJoRDBIT0psb21XVm1xN3JHV1FHM3RQZFk1S09ZS2VrcmlxV2t4MnlBSkdGU29NVTNNakdWNjZvTXcwZjRjX2R3V2dreXZvMVEzcUZLcE8tMXR2Rnc?oc=5) · Idaho State Journal
- 2022-07-26 [CBS2 Back 2 School Drive hopes to help kids and parents in need of supplies - KBOI](https://news.google.com/rss/articles/CBMirAFBVV95cUxQNnhDV3htbnRRQ3FmdlpDMlp6bk1ZdVNObDBxdzR3MlZkTkc4V3hKbDN5X2o0OW80NlhmLXhtWU5VcGJBYkVreTg0SXIyWklOUmVVMWItYVdWZ3pfVWl6MDFzLWF0eFR1YVl4Rkw4TlZ1QlJaYVZ1YVlxMlpoMUhZS2IxZzBEUFJMN0VwZG4xYnRrM2tFQkYwZ2VNZk5PcGdJbnJQS2o4SFpYVm9E?oc=5) · KBOI

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68361 (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/9.json (key "68361", 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=68361
- 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