LEWIS CLARK

Charter #68386 | ID

100M-500M (1077 CUs) Micro
9 100M-500M in ID

LEWIS CLARK has 10 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 10.0% in tier
  • + Wallet Share Momentum: Top 26.2% in tier
  • + Relationship Depth Leader: Top 33.6% in tier
  • + ROA 0.17% above tier average
  • + Net Interest Margin 0.18% above tier average
  • + Strong member growth: 6.3% YoY
  • + Members Per Employee (MPE): Top 3.5% in tier
  • + First Mortgage Concentration (%): Top 5.2% in tier
  • + Deposit Growth Rate: Top 5.9% in tier
  • + Member Growth Rate: Top 6.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 6.3% in tier
  • - Growth-at-Risk: Bottom 26.5% in tier
  • - Credit Quality Pressure: Bottom 29.1% in tier
  • - Share Certificate Concentration (%): Bottom 5.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 22,498
+6.3% YoY+1.9% QoQ
 +6.9K 15,628
-3.4% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 Top 17.8% in tier
Assets $273.3M
+9.5% YoY+7.3% QoQ
 +$42.0M $231.3M
-0.0% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 69th in tier
Loans $204.7M
+5.7% YoY+1.4% QoQ
 +$56.9M $147.8M
-1.4% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 Top 23.8% in tier
Deposits $245.1M
+12.8% YoY+8.2% QoQ
 +$44.8M $200.3M
-0.0% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 1.0%
+19.1% YoY-1.2% QoQ
 +0.2% 0.8%
+15.5% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 63rd in tier
NIM 3.8%
+1.8% YoY-2.8% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 61st in tier
Efficiency Ratio 76.4%
+1.1% YoY-1.3% QoQ
 -0.9% 77.3%
-3.0% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 48th in tier
Delinquency Rate 0.5%
+1.1% YoY-12.5% QoQ
 -0.3 0.9%
+7.6% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 41st in tier
Loan To Share 83.5%
-6.3% YoY-6.2% QoQ
 +10.8% 72.7%
-1.5% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $19,994
+3.0% YoY+3.0% QoQ
 $-4K $24,363
+2.9% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 35th in tier
CD Concentration 42.0%
+10.9% YoY+5.1% QoQ
 +17.6% 24.4%
+4.2% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 35.0%
+8.5% YoY+0.6% QoQ
 +21.0% 14.0%
-5.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#185 of 603 • Top 10.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.30%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.96%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 34.95%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#723 of 1006 • Top 26.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.96%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#926 of 1006 • Top 33.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.96%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#102 of 525 • Bottom 6.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.54%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 34.95%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.30%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Growth-at-Risk

risk
#398 of 446 • Bottom 26.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.66%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#720 of 736 • Bottom 29.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

39
Members Per Employee (MPE)
engagement
Value: 535.667
Peer Avg: 332.881
#39 of 1077 Top 3.5% in 100M-500M tier
57
First Mortgage Concentration (%)
balance_sheet
Value: 4.18%
Peer Avg: 30.43%
#57 of 1077 Top 5.2% in 100M-500M tier
65
Deposit Growth Rate
growth
Value: 12.82%
Peer Avg: 4.69%
#65 of 1077 Top 5.9% in 100M-500M tier
74
Member Growth Rate
growth
Value: 6.30%
Peer Avg: 0.72%
#74 of 1077 Top 6.8% in 100M-500M tier
140
Asset Growth Rate
growth
Value: 9.54%
Peer Avg: 4.70%
#140 of 1077 Top 12.9% in 100M-500M tier
192
Total Members
engagement
Value: 22,498
Peer Avg: 15,628
#192 of 1077 Top 17.7% in 100M-500M tier
209
Fee Income Per Member
profitability
Value: $229.61
Peer Avg: $174.31
#209 of 1077 Top 19.3% in 100M-500M tier
256
Total Loans
balance_sheet
Value: $204.71M
Peer Avg: $147.80M
#256 of 1077 Top 23.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1021
Share Certificate Concentration (%)
balance_sheet
Value: 41.97%
Peer Avg: 23.61%
#1021 of 1077 Bottom 5.3% in 100M-500M tier
946
Indirect Auto Concentration (%)
balance_sheet
Value: 34.95%
Peer Avg: 13.34%
#946 of 1077 Bottom 12.3% in 100M-500M tier