BlastPoint's Credit Union Scorecard
LEWIS CLARK
Charter #68386 · ID
LEWIS CLARK has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Members Per Employee (MPE): Top 3.7% in tier
- + First Mortgage Concentration (%): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 7.16% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 6.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,753
+0.7% YoY-2.7% QoQ
|
+6.6K |
15,145
-2.5% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$275.3M
+9.2% YoY-0.2% QoQ
|
+$43.6M |
$231.7M
+0.8% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$204.0M
+5.4% YoY+0.2% QoQ
|
+$59.9M |
$144.1M
+0.2% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$244.6M
+9.3% YoY-0.9% QoQ
|
+$43.4M |
$201.1M
+0.4% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
69% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-39.1% YoY-41.3% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
37% |
| NIM |
3.7%
-6.3% YoY+0.0% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
53% |
| Efficiency Ratio |
85.2%
+9.7% YoY+9.9% QoQ
|
+7.2% |
78.0%
-1.7% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.5%
-30.6% YoY-10.8% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
83.4%
-3.6% YoY+1.1% QoQ
|
+13.0% |
70.4%
-0.4% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$20,622
+6.8% YoY+2.3% QoQ
|
$-4K |
$24,918
+2.7% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
40.9%
+6.5% YoY-2.7% QoQ
|
+16.6% | 24.3% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
35.1%
+2.7% YoY-0.7% QoQ
|
+21.3% | 13.8% | 11.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)