C
Saint Joe Valley Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Saint Joe Valley Credit Union
Saint Maries, ID
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Rating C
Asset Quality Index 8.90
Capitalization Index 8.40
Liquidity Index 5.90
Profitability Index 8.40
Stability Index 5.70
Company Info Saint Joe Valley Credit Union
Saint Maries, ID
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NCUA Charter Number 5046
Phone Number (208) 245-4231
Website www.stjoevalleycu.com
Asset Quality Saint Joe Valley Credit Union
Saint Maries, ID
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1-Year Asset Growth 0.52%
5-Year Asset Growth 7.84%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 0.24%
Non-Performing Loans to Capital 2.29%
Non-Performing Loans to Loans 0.50%
Balance Sheet Saint Joe Valley Credit Union
Saint Maries, ID
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Total Assets 13.07M
Total Deposits 11.58M
Capital and Reserves Saint Joe Valley Credit Union
Saint Maries, ID
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Capital 1.36M
Leverage Ratio 10.40
Loan Loss Reserves to Loans 0.59%
Liquidity Saint Joe Valley Credit Union
Saint Maries, ID
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Hot Money Ratio 0.00%
Liquidity Ratio 33.82%
Profitability Saint Joe Valley Credit Union
Saint Maries, ID
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5-Year Return on Average Assets 1.02%
Net Income 37.00K
Net Interest Spread 5.31%
Operating Profit to Average Assets 1.13%
Overhead Efficiency Ratio 75.17%
Return on Assets 1.13%
Return on Equity 11.04%