Sep, 30, 2025 — ST JOE VALLEY CREDIT UNION is a non-federally insured state credit union headquartered in ST MARIES, ID with 1 branch location and about $13.32 million in total assets. Opened 67 years ago in 1959, ST JOE VALLEY CREDIT UNION has about 1,170 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ST JOE VALLEY CREDIT UNION |
|---|---|
| Address: (Main Office) | 129 S 9th St ST MARIES, ID 83861 |
| Phone: | (208) 245-4231 |
| Fax: | (208) 245-5341 |
| Website: | https://www.stjoevalleycu.com |
| Branches: | 1 branch locations |
| Members: | 1,170 |
| Credit Union Type: | Non-Federally Insured State Credit Union |
| Charter Number: | 97066 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1959 |
| Last Audited: | Jun 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $13,315,358 |
| CEO/Manager: | Gloria Rauch |
| Chairperson: | Dale Hill |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,540,200 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,240,831 |
| Unsecured Loans | 313,659 |
| Other Loans | 2,560,382 |
| TOTAL LOANS | 6,114,872 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -39,884 |
| Land And Building | 89,196 |
| Other Fixed Assets | 46,915 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 0 |
| All Other Assets | 0 |
| TOTAL ASSETS | 13,315,358 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 10,052 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 69,086 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,100,577 |
| Regular shares | 4,692,484 |
| All Other Shares & Deposits | 3,972,291 |
| TOTAL SHARES & DEPOSITS | 11,765,352 |
| TOTAL LIABILITIES | 11,844,490 |
| Regular Reserve | 0 |
| Other Reserves | 304,429 |
| Undivided Earnings | 1,166,439 |
| TOTAL EQUITY | 1,470,868 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 13,315,358 |
| INCOME & EXPENSE | |
| Loan Income | 286,751 |
| Investment Income | 184,927 |
| Other Income | 33,986 |
| Total Employee Compensation & Benefits | 169,418 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 148,145 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,300 |
| Cost of Funds | 41,157 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 148,701 |
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