Charter 68295 · Nampa, ID
Clarity Credit Union
Clarity Credit Union is a state-chartered credit union in Nampa, Idaho, with $236 million in assets and 19,344 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.74%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $236 million
- +10.8% in a year
- Members
- 19,344
- +3.4% in a year
- Net worth ratio
- 9.74%
- Peer median 11.65%
- Loans 60+ days late
- 0.99%
- Peer median 0.70%
- Loans outstanding
- $166 million
- +17.4% in a year
- Shares and deposits
- $217 million
- +12.0% in a year
- Branches
- 5
- 59 employees
- Opened
- 1948
- Idaho charter
How Clarity Credit Union compares
NCUA groups credit unions by size; Clarity Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.74% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.99%, is higher than the group median of 0.70%. Loans grew 17.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 15 of 26 credit unions headquartered in Idaho. See all Idaho credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $236 million | 19,344 | $166 million | 9.74% | 0.99% |
| Q1 2026 | $231 million | 19,344 | $167 million | 9.97% | 1.00% |
| Q4 2025 | $224 million | 19,103 | $166 million | 10.04% | 1.23% |
| Q3 2025 | $217 million | 19,087 | $161 million | 9.98% | 1.29% |
| Q2 2025 | $213 million | 18,705 | $141 million | 10.36% | 1.67% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 856,363 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Clarity Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Nampa Branch
1822 N Midland Blvd, Nampa, ID 83651 - Meridian Branch
555 S Meridian Rd, Meridian, ID 83642 - Middleton Branch
3 W Main St, Middleton, ID 83644 - Emmett Branch
415 S Washington Ave, Emmett, ID 83617 - Corporate Office (main office)
1880 S Cobalt Point Way, Meridian, ID 83642 - Caldwell Branch
708 N 21St Ave, Caldwell, ID 83605 - Homedale Branch
600 Hwy 95, Homedale, ID 83628
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology