St Maries, Idaho · Peer group 3
St Joe Valley Credit Union
St Joe Valley Credit Union holds $13.9M in assets across 1,135 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1959. Charter number 97066, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $13.9M |
|---|---|
| Total loans | $6.4M |
| Total shares (deposits) | $12.2M |
| Net worth | $1.6M |
| Members | 1,135 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 6.2% | |
|---|---|---|
| Loans | 0.6% | around the 65th percentile of its peer group |
| Deposits | 5.7% | around the 79th percentile of its peer group |
| Members | -0.4% | around the 61st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 52.6% | around the 42nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.4% | around the 31st percentile of its peer group |
| Return on assets | 1.50% | around the 86th percentile of its peer group |
| Delinquency ratio | 0.44% | around the 43rd percentile of its peer group |
| Cash / assets | 18.2% | around the 78th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is St Joe Valley Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Idaho — the comparison set a peer ratio is measured against.
- Snake River Credit Union
Twin Falls, ID
$11.9M · 1,273 members
- Boise Fire Department Credit Union
Boise, ID
$8.7M · 988 members
- Mini-Cassia Empl. Credit Union
Burley, ID
$532K · 337 members
- Sei Credit Union
Pocatello, ID
$33.7M · 3,138 members
- Simplot Credit Union
POCATELLO, ID
$58.8M · 5,482 members
- Members Preferred Credit Union
IDAHO FALLS, ID
$60.3M · 4,434 members
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