Members Preferred vs St Joe Valley
Comparing a Credit Union in Idaho Falls, ID with a Credit Union in St Maries, ID using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Members Preferred ↗ Credit Union · Idaho Falls, ID · Est. 1968 | St Joe Valley ↗ Credit Union · St Maries, ID · Est. 1959 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 96/100 |
| Institution type | Credit Union | Credit Union |
| Location | Idaho Falls, ID | St Maries, ID |
| Total assets | $60.3M | $13.9M |
| Net worth ratio | 21.0% | 11.4% |
| Return on assets | 2.8% | 1.5% |
| Shares & deposits | — | — |
| Members | 4,434 | 1,135 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 26 | #6 of 26 |
| Established | 1968 | 1959 |
Members Preferred
- Assets: $60.3M
- Members: 4,434
- Capital ratio: 21.0%
- Return on assets: 2.8%
- CFPB complaints: 0
- State rank: #4 of 26
St Joe Valley
- Assets: $13.9M
- Members: 1,135
- Capital ratio: 11.4%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #6 of 26
Are both institutions federally insured?
Yes. Members Preferred is NCUA-insured and St Joe Valley is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Members Preferred or St Joe Valley?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Members Preferred scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Members Preferred safe?
Yes — Members Preferred is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is St Joe Valley safe?
Yes — St Joe Valley is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (96/100).
What is the capital ratio of Members Preferred vs St Joe Valley?
Members Preferred has a net worth ratio of 21.0%, placing it in the top 19% of <$100M peers. St Joe Valley's ratio is 11.4%, placing it in the bottom 28% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Members Preferred have compared to St Joe Valley?
The CFPB database shows 0 complaints against Members Preferred, and 0 complaints against St Joe Valley. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Members Preferred with other Credit Unions in Idaho
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
