BlastPoint's Credit Union Scorecard
PRESTO LEWISTON EMPLOYEES
Charter #67108 · UT
<100M
2508 CUs in <100M nationally
29 in UT
PRESTO LEWISTON EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.70% above tier (higher cost structure)
- - Member decline: -2.7% 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 4.3% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
- - Average Member Relationship (AMR): Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
108
-2.7% YoY-0.9% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
Bottom 1.7% in tier |
| Assets |
$348,780
-0.0% YoY+3.4% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.8% in tier |
| Loans |
$208,005
-15.7% YoY+4.5% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.3% in tier |
| Deposits |
$258,747
-0.0% YoY+4.5% QoQ
|
$-25.5M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.8% in tier |
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| ROA |
0.1%
-79.2% YoY+39.1% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
3.4%
-25.3% YoY-20.2% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
96.3%
+11.4% YoY-1.6% QoQ
|
+5.7% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
80.4%
-15.7% YoY+0.0% QoQ
|
+21.9% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$4,322
-5.1% YoY+5.5% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.9% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 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: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
244
Net Worth Ratio
risk
Value:
25.77%
Peer Median: 14.28%
#244 of 2508
Top 9.7% in <100M tier
446
Loan-to-Share Ratio
balance_sheet
Value:
80.39%
Peer Median: 58.72%
#446 of 2508
Top 17.7% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2466
Total Members
engagement
Value:
108
Peer Median: 1,918
#2466 of 2508
Bottom 1.7% in <100M tier
2463
Total Assets
balance_sheet
Value:
$348,780
Peer Median: $21.86M
#2463 of 2508
Bottom 1.8% in <100M tier
2462
Total Deposits
balance_sheet
Value:
$258,747
Peer Median: $18.77M
#2462 of 2508
Bottom 1.9% in <100M tier
2401
Total Loans
balance_sheet
Value:
$208,005
Peer Median: $9.48M
#2401 of 2508
Bottom 4.3% in <100M tier
2340
Members Per Employee (MPE)
engagement
Value:
108.000
Peer Median: 333.750
#2340 of 2508
Bottom 6.7% in <100M tier
2335
Average Member Relationship (AMR)
engagement
Value:
$4,322
Peer Median: $13,926
#2335 of 2508
Bottom 6.9% in <100M tier
2241
Loan Growth Rate
growth
Value:
-15.71%
Peer Median: -2.36%
#2241 of 2508
Bottom 10.7% in <100M tier
2192
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,926
Peer Median: $4,923
#2192 of 2508
Bottom 12.6% in <100M tier
2088
AMR Growth Rate
growth
Value:
-5.12%
Peer Median: 1.27%
#2088 of 2508
Bottom 16.8% in <100M tier
2040
Fee Income Per Member
profitability
Value:
$9.07
Peer Median: $60.42
#2040 of 2508
Bottom 18.7% in <100M tier