BlastPoint's Credit Union Scorecard
LEWIS CLARK
Charter #68386 · ID
LEWIS CLARK has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 34.8% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 0.06% above tier average
- + Strong member growth: 5.9% YoY
- + Members Per Employee (MPE): Top 3.6% in tier
- + First Mortgage Concentration (%): Top 4.7% in tier
- + Deposit Growth Rate: Top 5.3% in tier
- + Member Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.4% in tier
- - Efficiency ratio 0.50% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,352
+5.9% YoY-0.6% QoQ
|
+6.9K |
15,437
-2.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$276.0M
+10.6% YoY+1.0% QoQ
|
+$44.1M |
$231.9M
+1.3% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$203.6M
+7.6% YoY-0.5% QoQ
|
+$56.3M |
$147.3M
-0.1% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$246.8M
+13.3% YoY+0.7% QoQ
|
+$46.0M |
$200.8M
+0.8% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.9%
-6.0% YoY-8.8% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.7%
-1.5% YoY-2.8% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
77.5%
+5.4% YoY+1.5% QoQ
|
+0.5% |
77.0%
-3.1% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
52% |
| Delinquency Rate |
0.5%
-29.9% YoY+0.1% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
82.5%
-5.0% YoY-1.2% QoQ
|
+10.3% |
72.2%
-1.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$20,153
+4.4% YoY+0.8% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
42.0%
+8.0% YoY+0.1% QoQ
|
+17.6% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
35.4%
+7.2% YoY+1.2% QoQ
|
+21.6% | 13.8% | 11.9% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)