BlastPoint's Credit Union Scorecard
LISBON FARMERS UNION
Charter #64688 · ND
LISBON FARMERS UNION has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 19.10% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Members: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 7.2% in tier
- - First Mortgage Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
235
-0.8% YoY-2.1% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
Bottom 5.6% in tier |
| Assets |
$4.4M
-2.7% YoY-0.4% QoQ
|
$-25.8M |
$30.2M
+1.3% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.1M
-10.4% YoY-5.7% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$1.6M
-6.8% YoY-0.6% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.1% in tier |
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| ROA |
-0.4%
-79.2% YoY+7.1% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.6% in tier |
| NIM |
3.8%
-17.5% YoY+10.8% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
49% |
| Efficiency Ratio |
109.7%
+24.0% YoY+18.0% QoQ
|
+19.1% |
90.6%
+6.5% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.6% in tier |
| Delinquency Rate |
0.2%
+245.7% YoY-89.2% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
31% |
| Loan To Share |
127.2%
-3.8% YoY-5.1% QoQ
|
+68.7% |
58.5%
-3.0% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
Top 0.4% in tier |
| AMR |
$15,816
-8.1% YoY-1.5% QoQ
|
+$932 |
$14,884
-1.7% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.1% | 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)