Latah Credit Union
Total assets
$169.2M
▲ +4.6% YoY
Shares & deposits
$150.6M
▲ +3.0% YoY
Loans
$92.4M
▲ +3.8% YoY
Members
8,264
▲ +3.1% YoY
ROA (annualized)
1.59%
peers 0.69%
ROE (annualized)
14.07%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | Latah Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +3.9% | +0.7 pts |
| Share growth (YoY) | +3.0% | +3.3% | -0.3 pts |
| Loan growth (YoY) | +3.8% | +2.9% | +0.8 pts |
| ROA | 1.59% | 0.69% | +0.9 pts |
| ROE | 14.1% | 5.9% | +8.1 pts |
ROA ranks in the 91st percentile of its peer group · Q1 2026
Profile
- Established
- 1969
- Charter
- NFICU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- Po Box 9286, Moscow, ID, 83843
- NCUA charter #
- 97102
- RSSD ID
- 360683
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $169.2M | $150.6M | $92.4M | $19.1M | $672K | 1.59% | 3.42% | 0.46% | 8,264 |
| Q4 2025 | $164.0M | $146.4M | $93.7M | $18.4M | $2.6M | 1.61% | 3.56% | 0.55% | 8,193 |
| Q3 2025 | $163.0M | $145.7M | $93.0M | $18.0M | $2.2M | 1.82% | 3.54% | 0.48% | 8,157 |
| Q2 2025 | $161.5M | $145.0M | $92.0M | $17.2M | $1.4M | 1.76% | 3.51% | 0.48% | 8,100 |
| Q1 2025 | $161.8M | $146.2M | $89.0M | $16.5M | $699K | 1.73% | 3.44% | 0.43% | 8,017 |
| Q4 2024 | $160.1M | $145.6M | $86.1M | $15.8M | $2.6M | 1.62% | 3.40% | 0.53% | 7,969 |
| Q3 2024 | $159.3M | $144.9M | $85.3M | $15.2M | $2.0M | 1.65% | 3.37% | 0.42% | 7,952 |
| Q2 2024 | $155.4M | $141.8M | $85.1M | $14.4M | $1.3M | 1.61% | 3.37% | 0.42% | 7,900 |
Loan mix (Q1 2026): real estate $37.5M · commercial $25.0M · consumer $17.7M · securities $41.6M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Latah Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 0.69% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 5.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.62% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 78.7% | 7th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Latah Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Latah Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Latah Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Latah Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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