BlastPoint's Credit Union Scorecard
LISBON FARMERS UNION
Charter #64688 · ND
2596 CUs in <100M nationally
17 in ND
LISBON FARMERS UNION has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Interest Margin 0.58% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.4% in tier
- + Net Worth Ratio: Top 0.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Loan-to-Member Ratio (LMR): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Members: Bottom 5.7% in tier
- - Members Per Employee (MPE): Bottom 7.3% in tier
- - First Mortgage Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
237
-2.5% YoY+0.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
7,412
-0.5% YoY
|
33,089
+6.1% YoY
|
Bottom 5.7% in tier |
| Assets |
$4.5M
+0.2% YoY+1.0% QoQ
|
$-25.4M |
$29.9M
+1.1% YoY
|
$201.0M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$2.2M
-9.1% YoY+4.0% QoQ
|
$-13.5M |
$15.8M
-2.4% YoY
|
$137.9M
+2.5% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$1.7M
-1.5% YoY+2.3% QoQ
|
$-23.7M |
$25.5M
+0.4% YoY
|
$165.9M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.9% in tier |
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| ROA |
0.7%
-46.1% YoY-62.6% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.9%
-6.7% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
4.5%
-0.6% YoY-11.4% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.4%
+7.4% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
66.8%
-3.2% YoY+7.6% QoQ
|
-14.6% |
81.4%
-2.4% YoY
|
74.0%
-24.8% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
-3.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
130.9%
-7.7% YoY+1.6% QoQ
|
+69.7% |
61.2%
-3.0% YoY
|
72.0%
-4.4% YoY
|
68.0%
-1.7% YoY
|
Top 0.6% in tier |
| AMR |
$16,663
-3.6% YoY+2.8% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$32,427
+3.2% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
22.4%
+2.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
12
Loan-to-Share Ratio
balance_sheet
Value:
130.94%
Peer Avg: -
#12 of 2596
Top 0.4% in <100M tier
13
Net Worth Ratio
risk
Value:
61.82%
Peer Avg: -
#13 of 2596
Top 0.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
259
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,448
Peer Avg: -
#259 of 2596
Top 9.9% in <100M tier
640
Efficiency Ratio
profitability
Value:
66.79%
Peer Avg: -
#640 of 2596
Top 24.6% in <100M tier
Top Weaknesses (9 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2448
Total Members
engagement
Value:
237
Peer Avg: -
#2448 of 2596
Bottom 5.7% in <100M tier
2408
Members Per Employee (MPE)
engagement
Value:
118.500
Peer Avg: -
#2408 of 2596
Bottom 7.3% in <100M tier
2381
First Mortgage Concentration (%)
balance_sheet
Value:
48.54%
Peer Avg: -
#2381 of 2596
Bottom 8.3% in <100M tier
2314
Total Deposits
balance_sheet
Value:
$1.71M
Peer Avg: -
#2314 of 2596
Bottom 10.9% in <100M tier
2143
Total Assets
balance_sheet
Value:
$4.48M
Peer Avg: -
#2143 of 2596
Bottom 17.5% in <100M tier
2099
Total Loans
balance_sheet
Value:
$2.24M
Peer Avg: -
#2099 of 2596
Bottom 19.2% in <100M tier
2030
AMR Growth Rate
growth
Value:
-3.61%
Peer Avg: -
#2030 of 2596
Bottom 21.8% in <100M tier
1978
Loan Growth Rate
growth
Value:
-9.14%
Peer Avg: -
#1978 of 2596
Bottom 23.8% in <100M tier