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St Joe Valley Credit Union
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St Joe Valley Credit Union Share
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Overview Share
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St Joe Valley Credit Union is a non-federally insured state credit union based in St. Maries, Idaho. It has been opened since 1959, for 63 years.

With around $8,630,000 in assets, St Joe Valley Credit Union is considered to be a medium size credit union.

About Share
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Address P.O. Box 216
ST. Maries, Idaho 83861
Website http://www.stjoevalleycu.com
Phone (208) 245-4231
Fax (208) 245-5341
CEO Gloria Rauch
President of the Board Dale Hill
Services Offered
Score Card Share
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63 years
Years in business
Opened in 1959
Adequately Capitalized
Net worth classification
Source: NCUA
1,132 members
Membership type: State chartered natural person credit union
Below average number of members
283:1
Credit union member to staff ratio
283 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$8,626,303
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 5 in Idaho
Average number of branches
0.01%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 5 in Idaho
Average number of branches
St Joe Valley Credit Union Branch Locations

Street Joe Valley Credit Union
129 S. 9th Street
St. Maries, Idaho 83861
No ATM
Members Share
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1,132 members
Membership type: State chartered natural person credit union
Below average number of members

With 1,132 members, the St Joe Valley Credit Union is considered to be a small credit union. It is smaller than 78% of credit unions.

Fees Share
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$31
Average fee per member
The average fee per member at the St Joe Valley Credit Union is $31, which is low compared to most credit unions. This rate is lower than 65% 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 St Joe Valley Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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283:1
Credit union member to staff ratio
283 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
4 staff members
FTE (full-time equivalent)
40% of employees are part-time
3 full-time, 2 part-time

St Joe Valley Credit Union has 3 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 60% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. St Joe Valley Credit Union has around 283 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$8,626,303
Total assets
Below average
Net worth Share
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Adequately Capitalized
Net worth classification
Source: NCUA
An adequately capitalized credit union has a net worth ratio between 6% and 7% and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
6.8%
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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$837
Average loan and lease size
Loan & lease sizes are very small. They are smaller than at 100% of credit unions.

St Joe Valley Credit Union holds a total of $4,890,000 in loans and leases, which is about $837 per member on average.

Savings interest rate Share
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0.01%
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. St Joe Valley Credit Union pays 0.01%.

Loan rates Share
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11.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.10%
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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4.12%
New car loan rate
Compared to 4.0% nationally
6.05%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.17%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
7.40%
Other real estate loan rates
Compared to 0.9% nationally

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Credit Union Branch: 129 S. 9th Street
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