BlastPoint's Credit Union Scorecard
LISBON FARMERS UNION
Charter #64688 · ND
2556 CUs in <100M nationally
17 in ND
LISBON FARMERS UNION has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 0.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 10.45% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
- - Member decline: -2.8% YoY
- - Total Members: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 7.4% in tier
- - Fee Income Per Member: Bottom 7.5% in tier
- - First Mortgage Concentration (%): Bottom 8.6% in tier
- - Deposit Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
240
-2.8% YoY+1.3% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 5.7% in tier |
| Assets |
$4.4M
-3.2% YoY-2.3% QoQ
|
$-25.8M |
$30.1M
+2.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.2M
-8.9% YoY-1.4% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$1.6M
-8.7% YoY-3.7% QoQ
|
$-24.0M |
$25.7M
+1.4% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.2% in tier |
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| ROA |
-0.3%
-314.7% YoY-147.9% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.4% in tier |
| NIM |
3.4%
-7.5% YoY-23.9% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
93.0%
+18.1% YoY+39.3% QoQ
|
+10.4% |
82.6%
-2.3% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
2.2%
+3250.7% YoY
|
+0.6 |
1.6%
-3.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
134.0%
-0.3% YoY+2.3% QoQ
|
+73.4% |
60.6%
-3.1% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Top 0.4% in tier |
| AMR |
$16,055
-6.2% YoY-3.6% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
7
Loan-to-Share Ratio
balance_sheet
Value:
134.01%
Peer Median: -
#7 of 2556
Top 0.2% in <100M tier
11
Net Worth Ratio
risk
Value:
62.35%
Peer Median: -
#11 of 2556
Top 0.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
289
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,194
Peer Median: -
#289 of 2556
Top 11.3% in <100M tier
Top Weaknesses (14 metrics)
2411
Total Members
engagement
Value:
240
Peer Median: -
#2411 of 2556
Bottom 5.7% in <100M tier
2368
Members Per Employee (MPE)
engagement
Value:
120.000
Peer Median: -
#2368 of 2556
Bottom 7.4% in <100M tier
2366
Fee Income Per Member
profitability
Value:
$1.25
Peer Median: -
#2366 of 2556
Bottom 7.5% in <100M tier
2336
First Mortgage Concentration (%)
balance_sheet
Value:
48.26%
Peer Median: -
#2336 of 2556
Bottom 8.6% in <100M tier
2323
Deposit Growth Rate
growth
Value:
-8.68%
Peer Median: -
#2323 of 2556
Bottom 9.2% in <100M tier
2296
Total Deposits
balance_sheet
Value:
$1.65M
Peer Median: -
#2296 of 2556
Bottom 10.2% in <100M tier
2290
Return on Assets (ROA)
profitability
Value:
-0.35%
Peer Median: -
#2290 of 2556
Bottom 10.4% in <100M tier
2237
AMR Growth Rate
growth
Value:
-6.16%
Peer Median: -
#2237 of 2556
Bottom 12.5% in <100M tier
2122
Total Assets
balance_sheet
Value:
$4.38M
Peer Median: -
#2122 of 2556
Bottom 17.0% in <100M tier
2071
Total Loans
balance_sheet
Value:
$2.21M
Peer Median: -
#2071 of 2556
Bottom 19.0% in <100M tier