Fixing up, not buying
Home improvement made up 37.3% of its 407 loans, refinances 24.1% and purchases 20.6%. Its typical loan was $105,000, the same as at similar lenders, credit unions making between half and twice as many loans.
Applications / Mortgage Analytics / Lenders / Idaho / Capital Educators Federal Credit Union
Capital Educators Federal Credit Union
Meridian, ID · Credit union · NCUA · $1.4 billion assets · 407 loans in 2025
Capital Educators Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
407
loans originated, 2025
572
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capital Educators Federal Credit Union lends more for home improvement than for anything else, and more of its loans go to poorer borrowers than at most similar credit unions.
More poorer borrowers
Borrowers with low and moderate incomes (LMI) took 31.1% of its loans, against 27.3% at similar lenders, more than at nearly two-thirds of them. Five years before, the share was 21.8%.
A small share in Boise City
In Boise City, ID, where it has lent since at least 1990, it ranked 32 of 409 lenders, with a share of 0.7%, down from 0.8%. Idaho Central Credit Union leads there. In Twin Falls, ID its share fell to 0.2% from 0.4%.
A long decline
It made 407 loans, down 13% from 470, while similar lenders grew 6%. Its count has fallen every year since it made 1,047 in 2021. The data do not say why.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
407 loans in 2025, against a peak of 1,047 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capital Educators Federal Credit Union took 572 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
37.3% of its 2025 loans were home improvement loans; 99.5% were conventional loans.
Home improvement 37.3% · Refinance 24.1% · Purchase 20.6% · Other 17.9%
Conventional 99.5% · FHA 0.5% · of 407 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
3 states, 6 metros, 18 counties
| State | Loans | Share |
|---|---|---|
| Idaho | 405 | 99.5% |
| Oregon | 1 | 0.2% |
| Utah | 1 | 0.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Boise City | 369 |
| Twin Falls | 6 |
| Coeur d'Alene | 2 |
| Albany | 1 |
| Lewiston | 1 |
| St. George | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LYL7JC81I5DV55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 821979 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51040 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Capital Educators Federal Credit Union's data.
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