BlastPoint's Credit Union Scorecard
LISBON FARMERS UNION
Charter #64688 · ND
LISBON FARMERS UNION has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.38% below tier average
- - Efficiency ratio 13.79% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 3.0% in tier
- - Total Members: Bottom 6.1% in tier
- - Members Per Employee (MPE): Bottom 7.5% in tier
- - First Mortgage Concentration (%): Bottom 8.8% in tier
- - Total Deposits: Bottom 9.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 17 that size in North Dakota.
- Shares and deposits -6.3% year over year ($1.6M in shares and deposits).
- Membership: 243 members, +3.0% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 0.12%.
- Efficiency ratio 102.56% vs a 88.77% peer average.
- Loan-to-share ratio 136.83% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
243
+3.0% YoY+3.4% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
Bottom 5.9% in tier |
| Assets |
$4.3M
-3.2% YoY-1.6% QoQ
|
$-26.0M |
$30.3M
+1.5% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$2.1M
-0.5% YoY+3.0% QoQ
|
$-13.3M |
$15.5M
-1.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$1.6M
-6.3% YoY-4.3% QoQ
|
$-24.2M |
$25.8M
+1.1% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.7% in tier |
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| ROA |
0.1%
-94.0% YoY-131.2% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.3% in tier |
| NIM |
4.5%
-11.3% YoY+18.7% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
102.6%
+65.3% YoY-6.5% QoQ
|
+13.8% |
88.8%
-6.9% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
0.6%
+739.9% YoY+162.0% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
136.8%
+6.2% YoY+7.6% QoQ
|
+77.9% |
58.9%
-3.1% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
Top 0.3% in tier |
| AMR |
$15,265
-5.8% YoY-3.5% QoQ
|
+$302 |
$14,963
-6.8% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)