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E.S.A. Credit Union
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E.S.A. Credit Union Share
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Overview Share
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E.S.A. Credit Union is a non-federally insured state credit union based in Boise, Idaho. It has been opened since 1940, for 82 years.

With around $6,270,000 in assets, E.S.A. Credit Union is considered to be a small credit union.

About Share
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Address 355 S. 3rd Street Suite B.
Boise, Idaho 83702
Website http://WWW.ESACU.ORG
Phone (208) 342-0800
Fax (208) 342-6712
CEO Loyal I. Perry Iii
President of the Board Rick Burlingame
Services Offered
Score Card Share
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82 years
Years in business
Opened in 1940
Well Capitalized
Net worth classification
Source: NCUA
1,180 members
Membership type: State chartered natural person credit union
Below average number of members
472:1
Credit union member to staff ratio
472 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$6,269,659
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 5 in Idaho
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
10.04%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 5 in Idaho
Above average number of branches
E.S.A. Credit Union Branch Locations

E.S.A. Credit Union: Health Care Idaho Credit Union
208 W. Jefferson Street
Boise, Idaho 83702
No ATM
E.S.A. Credit Union: Esa Credit Union
355 S. 3rd Street Suite B.
Boise, Idaho 83702
No ATM
Members Share
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1,180 members
Membership type: State chartered natural person credit union
Below average number of members

With 1,180 members, the E.S.A. Credit Union is considered to be a small credit union. It is smaller than 78% of credit unions.

Fees Share
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$20
Average fee per member
The average fee per member at the E.S.A. Credit Union is $20, which is low compared to most credit unions. This rate is lower than 72% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the E.S.A. Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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472:1
Credit union member to staff ratio
472 per each FTE employee
Compared to 411:1 nationally
Fewer staff
2 staff members
FTE (full-time equivalent)
33% of employees are part-time
2 full-time, 1 part-time

E.S.A. Credit Union has 2 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 67% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. E.S.A. Credit Union has around 472 members per staff, a higher ratio compared to other credit unions.

Assets Share
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$6,269,659
Total assets
Below average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
7.9%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$5,398
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 88% of credit unions.

E.S.A. Credit Union holds a total of $2,280,000 in loans and leases, which is about $5,398 per member on average.

Savings interest rate Share
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. E.S.A. Credit Union pays 0.05%.

Loan rates Share
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10.04%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.97%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.05%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.14%
New car loan rate
Compared to 4.0% nationally
4.75%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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