BlastPoint's Credit Union Scorecard
PRESTO LEWISTON EMPLOYEES
Charter #67108 · UT
2596 CUs in <100M nationally
30 in UT
PRESTO LEWISTON EMPLOYEES has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 14.27% above tier (higher cost structure)
- - Total Members: Bottom 1.7% in tier
- - Total Deposits: Bottom 2.2% in tier
- - Total Assets: Bottom 2.2% in tier
- - Total Loans: Bottom 4.4% in tier
- - Members Per Employee (MPE): Bottom 6.6% in tier
- - AMR Growth Rate: Bottom 7.6% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
109
-1.8% YoY-1.8% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
Bottom 1.6% in tier |
| Assets |
$367,815
-6.5% YoY+0.1% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.2% in tier |
| Loans |
$219,940
-16.0% YoY-9.3% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.4% in tier |
| Deposits |
$277,859
-8.3% YoY+0.1% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.2% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-76.6% YoY-48.2% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
4.1%
-13.7% YoY-6.7% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
95.7%
+14.4% YoY+3.8% QoQ
|
+14.3% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
85% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
79.2%
-8.4% YoY-9.4% QoQ
|
+17.9% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$4,567
-10.3% YoY-2.5% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.9% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% 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 (7 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
First Mortgage 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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
308
Net Worth Ratio
risk
Value:
24.46%
Peer Avg: -
#308 of 2596
Top 11.8% in <100M tier
612
Loan-to-Share Ratio
balance_sheet
Value:
79.16%
Peer Avg: -
#612 of 2596
Top 23.5% in <100M tier
Top Weaknesses (14 metrics)
2553
Total Members
engagement
Value:
109
Peer Avg: -
#2553 of 2596
Bottom 1.7% in <100M tier
2540
Total Deposits
balance_sheet
Value:
$277,859
Peer Avg: -
#2540 of 2596
Bottom 2.2% in <100M tier
2539
Total Assets
balance_sheet
Value:
$367,815
Peer Avg: -
#2539 of 2596
Bottom 2.2% in <100M tier
2483
Total Loans
balance_sheet
Value:
$219,940
Peer Avg: -
#2483 of 2596
Bottom 4.4% in <100M tier
2425
Members Per Employee (MPE)
engagement
Value:
109.000
Peer Avg: -
#2425 of 2596
Bottom 6.6% in <100M tier
2400
AMR Growth Rate
growth
Value:
-10.25%
Peer Avg: -
#2400 of 2596
Bottom 7.6% in <100M tier
2390
Average Member Relationship (AMR)
engagement
Value:
$4,567
Peer Avg: -
#2390 of 2596
Bottom 8.0% in <100M tier
2346
Deposit Growth Rate
growth
Value:
-8.30%
Peer Avg: -
#2346 of 2596
Bottom 9.7% in <100M tier
2333
Loan Growth Rate
growth
Value:
-16.01%
Peer Avg: -
#2333 of 2596
Bottom 10.2% in <100M tier
2330
Asset Growth Rate
growth
Value:
-6.46%
Peer Avg: -
#2330 of 2596
Bottom 10.3% in <100M tier