Credit union
Idaho Central Credit Union
Chubbuck, Idaho, Bannock County, ID
$15.5B in total assets and 821,866 members, the 15th largest of 4,298 US credit unions and 1st of 20 headquartered in Idaho.
- NCUA charter
- 63194
- Charter
- State chartered (ID)
- Chartered
- 1940
- NCUA insured since
- 1976
- Low-income designation
- Yes
- Website
- http://www.iccu.com
At a glance
Compared with 23 US federally insured credit unions with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $15.5B | 44% | $19.4B | |
| Loans | $13.8B | 52% | $13.7B | |
| Deposits (shares) | $13.6B | 44% | $15.6B | |
| Members | 821,866 | 44% | 958,216 | |
| Return on assets | 1.18% | 65% | 0.89% | |
| Net interest income to assets | 2.94% | 35% | 3.21% | |
| Efficiency ratio | 62.6% | 52% | 61.1% | |
| Net worth ratio | 8.33% | 2% | 10.72% | |
| Loans to shares | 101% | 91% | 89% | |
| Cost of deposits | 2.39% | 78% | 2.21% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 19.4% a year over 10 years and 15.6% a year over the last 5, including 6 mergers in the last 10 years. Membership grew 12.2% a year over 5 years, to 821,866.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jun 2026 | Calcoe Federal Credit Union Credit union, Yakima, WA | $44M |
| Feb 2025 | Tucson Old Pueblo Credit Union Credit union, Tucson, AZ | $211M |
| May 2024 | Health Care Idaho Credit Union Credit union, Boise, ID | $12M |
| Jan 2022 | E.S.A. Credit Union Credit union, Boise, ID | $7M |
| Nov 2020 | St. Alphonsus Medical Credit Union Credit union, Boise, ID | $5M |
| Jan 2018 | White Pine Credit Union Credit union, Pierce, ID | $8M |
| Jun 2015 | Public Employees Credit Union Credit union, Coeur D Alene, ID | $9M |
Where they operate
67 branches in 21 counties.
Also 2 branches outside this map: 2 in Arizona. 2 of 67 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Ada County, ID | 22 | 12.0% | 1 of 45 |
| Canyon County, ID | 6 | 10.0% | 1 of 30 |
| Spokane County, WA | 6 | 3.6% | 9 of 36 |
| Bannock County, ID | 4 | 11.1% | 1 of 19 |
| Bonneville County, ID | 4 | 10.0% | 4 of 18 |
| Kootenai County, ID | 4 | 6.7% | 5 of 22 |
| Pima County, AZ | 2 | 1.1% | 16 of 31 |
| Bingham County, ID | 2 | 12.5% | 1 of 13 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 31 | |
| 2017 | 34 | +3 |
| 2018 | 37 | +3 |
| 2019 | 38 | +1 |
| 2020 | 42 | +4 |
| 2021 | 44 | +2 |
| 2022 | 48 | +4 |
| 2023 | 55 | +7 |
| 2024 | 59 | +4 |
| 2025 | 64 | +5 |
| Jun 2026 | 67 | +3 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.46% | 0.92% |
| Net worth ratio | 8.33% | 10.72% |
| Loans to shares | 101% | 89% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Idaho
Most branches in Ada County, ID
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.