BlastPoint's Credit Union Scorecard

LEWIS CLARK

Charter #68386 · ID

100M-500M

1024 CUs in 100M-500M nationally 7 in ID

LEWIS CLARK has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.07% above tier average
+ Members Per Employee (MPE): Top 3.5% in tier
+ First Mortgage Concentration (%): Top 4.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.23% below tier average
- Efficiency ratio 5.30% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 7 that size in Idaho.
Shares and deposits +5.7% year over year ($239M in shares and deposits).
Membership: 21,902 members, -0.8% vs a year ago.
Delinquency rate 0.62%.
Return on assets 0.63%.
Efficiency ratio 82.03% vs a 76.73% peer average.
Loan-to-share ratio 87.48% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	21,902 -0.8% YoY+0.7% QoQ	+6.7K	15,168 -2.6% YoY	72,350 +37.4% YoY	34,678 +6.6% YoY	82%
Assets	$270.4M +6.1% YoY-1.8% QoQ	+$38.4M	$232.0M +0.7% YoY	$1.3B +42.1% YoY	$593.1M +10.2% YoY	68%
Loans	$209.5M +3.8% YoY+2.7% QoQ	+$63.2M	$146.3M +0.2% YoY	$1.1B +44.8% YoY	$418.6M +10.1% YoY	78%
Deposits	$239.4M +5.7% YoY-2.1% QoQ	+$38.7M	$200.7M +0.2% YoY	$1.1B +40.5% YoY	$504.8M +10.3% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -34.8% YoY+23.3% QoQ	-0.2%	0.9% +12.5% YoY	0.8% -11.7% YoY	1.2% +121.4% YoY	39%
NIM	3.8% -3.2% YoY+2.5% QoQ	+0.1%	3.7% +4.5% YoY	3.6% +0.7% YoY	3.8% +2.3% YoY	55%
Efficiency Ratio	82.0% +6.0% YoY-3.7% QoQ	+5.3%	76.7% -0.8% YoY	77.8% +6.1% YoY	83.0% -5.3% YoY	65%
Delinquency Rate	0.6% +0.7% YoY+29.0% QoQ	-0.3	0.9% +6.6% YoY	0.7% -36.1% YoY	1.3% +2.6% YoY	45%
Loan To Share	87.5% -1.8% YoY+4.9% QoQ	+15.9%	71.5% -0.3% YoY	87.8% +3.1% YoY	66.4% -1.4% YoY	81%
AMR	$20,495 +5.6% YoY-0.6% QoQ	$-5K	$25,107 +3.2% YoY	$26,672 +11.3% YoY	$20,028 -0.9% YoY	34%
CD Concentration	40.5% +1.5% YoY-0.8% QoQ	+16.0%	24.6%	31.4%	20.0%	50%
Indirect Auto %	34.4% -0.9% YoY-1.9% QoQ	+20.8%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#426 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.61%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (6)

Indirect Auto Dependency

risk

#81 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 6.13%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 34.44%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.78%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Efficiency Drag

risk

#372 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.03%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -0.78%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Stagnation Risk

risk

#483 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.78%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 3.80%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.62%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#492 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.78%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Risk Growth

risk

#445 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 3.80%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#680 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 534.195

Peer Median: 310.924

#37 of 1024 Top 3.5% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.12%

Peer Median: 29.92%

#51 of 1024 Top 4.9% in 100M-500M tier

178

Total Members

engagement

Value: 21,902

Peer Median: 13,128

#178 of 1024 Top 17.3% in 100M-500M tier

194

Loan-to-Share Ratio

balance_sheet

Value: 87.48%

Peer Median: 73.07%

#194 of 1024 Top 18.8% in 100M-500M tier

220

Fee Income Per Member

profitability

Value: $218.03

Peer Median: $159.88

#220 of 1024 Top 21.4% in 100M-500M tier

224

Total Loans

balance_sheet

Value: $209.46M

Peer Median: $124.04M

#224 of 1024 Top 21.8% in 100M-500M tier

Top Weaknesses (2 metrics)

945

Share Certificate Concentration (%)

balance_sheet

Value: 40.53%

Peer Median: 23.39%

#945 of 1024 Bottom 7.8% in 100M-500M tier

904

Indirect Auto Concentration (%)

balance_sheet

Value: 34.44%

Peer Median: 6.15%

#904 of 1024 Bottom 11.8% in 100M-500M tier