BlastPoint's Credit Union Scorecard
PRESTO LEWISTON EMPLOYEES
Charter #67108 · UT
2556 CUs in <100M nationally
29 in UT
PRESTO LEWISTON EMPLOYEES has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% 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 8.1% in tier
- + Net Worth Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Efficiency ratio 15.32% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - Total Members: Bottom 1.7% in tier
- - Total Assets: Bottom 1.8% in tier
- - Total Deposits: Bottom 1.9% in tier
- - Total Loans: Bottom 4.2% in tier
- - Average Member Relationship (AMR): Bottom 6.2% in tier
- - Loan Growth Rate: Bottom 6.5% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
- - AMR Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
109
-3.5% YoY0% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
Bottom 1.6% in tier |
| Assets |
$337,369
-3.5% YoY-8.3% QoQ
|
$-29.8M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.8% in tier |
| Loans |
$198,986
-18.9% YoY-9.5% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.1% in tier |
| Deposits |
$247,595
-4.8% YoY-10.9% QoQ
|
$-25.4M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.9% in tier |
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| ROA |
0.1%
-76.7% YoY-48.8% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
4.3%
-9.7% YoY+4.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
97.9%
+6.9% YoY+2.3% QoQ
|
+15.3% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Top 13.7% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
80.4%
-14.9% YoY+1.5% QoQ
|
+19.8% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$4,097
-8.4% YoY-10.3% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage 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
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
231
Net Worth Ratio
risk
Value:
26.61%
Peer Median: -
#231 of 2556
Top 9.0% in <100M tier
549
Loan-to-Share Ratio
balance_sheet
Value:
80.37%
Peer Median: -
#549 of 2556
Top 21.4% in <100M tier
Top Weaknesses (14 metrics)
2514
Total Members
engagement
Value:
109
Peer Median: -
#2514 of 2556
Bottom 1.7% in <100M tier
2511
Total Assets
balance_sheet
Value:
$337,369
Peer Median: -
#2511 of 2556
Bottom 1.8% in <100M tier
2508
Total Deposits
balance_sheet
Value:
$247,595
Peer Median: -
#2508 of 2556
Bottom 1.9% in <100M tier
2450
Total Loans
balance_sheet
Value:
$198,986
Peer Median: -
#2450 of 2556
Bottom 4.2% in <100M tier
2398
Average Member Relationship (AMR)
engagement
Value:
$4,097
Peer Median: -
#2398 of 2556
Bottom 6.2% in <100M tier
2392
Loan Growth Rate
growth
Value:
-18.95%
Peer Median: -
#2392 of 2556
Bottom 6.5% in <100M tier
2387
Members Per Employee (MPE)
engagement
Value:
109.000
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2338
AMR Growth Rate
growth
Value:
-8.43%
Peer Median: -
#2338 of 2556
Bottom 8.6% in <100M tier
2276
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,826
Peer Median: -
#2276 of 2556
Bottom 11.0% in <100M tier
2206
Efficiency Ratio
profitability
Value:
97.87%
Peer Median: -
#2206 of 2556
Bottom 13.7% in <100M tier