CLARITY Credit Union Profile

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CLARITY

Charter #68295 | NCUA Region 3 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (208) 437-6583

Fax: (208) 466-0049

Founding Date: N/A

Website: http://www.claritycu.com

Personnel & Operations

President: Spencer, Brett

Manager: Edwards, Wendy

FT Employees: 58

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 6

Hours: M-F 8:00am - 5:30pm

Credit Union Profile Summary

CLARITY is a FISCU Credit Union. With a total of 18,705 members ^[1], this institution manages approximately $212,630,210 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.36% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.35% ^[1].

Financial Snapshot

Total Assets ^[1]

$212,630,210

Total economic resources.

Total Loans ^[1]

$141,381,885

Total value of outstanding loans.

Total Deposits ^[1]

$193,440,614

Total funds deposited by members.

Members ^[1]

18,705

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.36%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.14%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

73.09%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 3.62%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -3.35%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 2.36%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1880 S Cobalt Point Way, Ste 100

Meridian, ID, 83642

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 6 branches reported by CLARITY (Charter #68295).

Main Office

Corporate Office Main Office

Type: Corporate Office

1880 S Cobalt Point Way

Type: Corporate Office

1822 N Midland Blvd

Nampa, ID 83651

Phone: (208) 467-6583

Services: Member Services, ATM, Drive-Thru

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