LOOKOUT

Charter #7776 | ID

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

LOOKOUT has 4 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 28.2% in tier
  • + Wallet Share Momentum: Top 36.3% in tier
  • + Net Interest Margin 0.23% above tier average
  • + Fee Income Per Member: Top 7.3% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 6.6% in tier
  • - Credit Quality Pressure: Bottom 8.7% in tier
  • - Membership Headwinds: Bottom 9.8% in tier
  • - Stagnation Risk: Bottom 20.5% in tier
  • - Efficiency Drag: Bottom 23.1% in tier
  • - Indirect Auto Dependency: Bottom 28.0% in tier
  • - ROA 0.33% below tier average
  • - Efficiency ratio 9.92% above tier (higher cost structure)
  • - Delinquency rate 0.09% above tier average
  • - Member decline: -4.0% YoY
  • - Net Worth Ratio: Bottom 1.0% in tier
  • - Asset Growth Rate: Bottom 1.1% in tier
  • - Loan Growth Rate: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ID) National Avg Tier Percentile
Members 26,041
-4.0% YoY-0.8% QoQ
 +10.4K 15,628
-3.4% YoY
 53,577
+7.1% YoY
 33,089
+6.1% YoY
 Top 11.0% in tier
Assets $289.2M
-8.2% YoY-0.7% QoQ
 +$57.9M $231.3M
-0.0% YoY
 $936.8M
+11.3% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $202.2M
-6.1% YoY-0.2% QoQ
 +$54.4M $147.8M
-1.4% YoY
 $777.6M
+12.0% YoY
 $388.7M
+8.6% YoY
 Top 24.2% in tier
Deposits $266.8M
-1.5% YoY-0.7% QoQ
 +$66.5M $200.3M
-0.0% YoY
 $812.6M
+12.3% YoY
 $464.6M
+9.3% YoY
 75th in tier
ROA 0.5%
-290.1% YoY-18.7% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.6%
-15.0% YoY
 0.7%
+273.4% YoY
 29th in tier
NIM 3.8%
+19.3% YoY+4.4% QoQ
 +0.2% 3.6%
+6.9% YoY
 3.7%
+5.1% YoY
 3.7%
+5.0% YoY
 64th in tier
Efficiency Ratio 87.2%
-9.6% YoY+1.9% QoQ
 +9.9% 77.3%
-3.0% YoY
 73.1%
-2.3% YoY
 79.1%
-3.3% YoY
 Top 16.5% in tier
Delinquency Rate 0.9%
+60.6% YoY-7.7% QoQ
 +0.1 0.9%
+7.6% YoY
 0.9%
-2.1% YoY
 1.2%
-0.9% YoY
 67th in tier
Loan To Share 75.8%
-4.7% YoY+0.5% QoQ
 +3.1% 72.7%
-1.5% YoY
 85.6%
-1.1% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $18,009
+0.5% YoY+0.3% QoQ
 $-6K $24,363
+2.9% YoY
 $24,176
+3.9% YoY
 $19,418
+1.3% YoY
 Bottom 22.9% in tier
CD Concentration 24.3%
-9.0% YoY-2.6% QoQ
 -0.1% 24.4%
+4.2% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 24.6%
+3.6% YoY+1.9% QoQ
 +10.7% 14.0%
-5.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#779 of 1006 • Top 28.2% in tier

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

Why This Signature
AMR Growth (YoY): 0.53%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#1002 of 1006 • Top 36.3% in tier

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

Why This Signature
AMR Growth (YoY): 0.53%
(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

Concerns (6)

Institutional Decline

decline
#53 of 256 • Bottom 6.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $289.23M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -4.04%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.13%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Credit Quality Pressure

risk
#217 of 736 • Bottom 8.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.36% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Membership Headwinds

decline
#163 of 550 • Bottom 9.8% in tier

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

Why This Signature
Member Growth (YoY): -4.04%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#338 of 550 • Bottom 20.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.46%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -4.04%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $18.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 24.32%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Efficiency Drag

risk
#408 of 521 • Bottom 23.1% in tier

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

Why This Signature
Efficiency Ratio: 87.20%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.70% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -4.04%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#450 of 525 • Bottom 28.0% in tier

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

Why This Signature
Asset Growth (YoY): -8.19%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 24.63%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -4.04%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 (3 metrics)

80
Fee Income Per Member
profitability
Value: $283.23
Peer Avg: $174.31
#80 of 1077 Top 7.3% in 100M-500M tier
119
Total Members
engagement
Value: 26,041
Peer Avg: 15,628
#119 of 1077 Top 11.0% in 100M-500M tier
261
Total Loans
balance_sheet
Value: $202.20M
Peer Avg: $147.80M
#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1067
Net Worth Ratio
risk
Value: 7.32%
Peer Avg: 12.15%
#1067 of 1077 Bottom 1.0% in 100M-500M tier
1066
Asset Growth Rate
growth
Value: -8.19%
Peer Avg: 4.70%
#1066 of 1077 Bottom 1.1% in 100M-500M tier
974
Loan Growth Rate
growth
Value: -6.13%
Peer Avg: 3.45%
#974 of 1077 Bottom 9.7% in 100M-500M tier
958
Deposit Growth Rate
growth
Value: -1.46%
Peer Avg: 4.69%
#958 of 1077 Bottom 11.1% in 100M-500M tier
940
Member Growth Rate
growth
Value: -4.04%
Peer Avg: 0.72%
#940 of 1077 Bottom 12.8% in 100M-500M tier
900
Efficiency Ratio
profitability
Value: 87.20%
Peer Avg: 77.28%
#900 of 1077 Bottom 16.5% in 100M-500M tier
845
Indirect Auto Concentration (%)
balance_sheet
Value: 24.63%
Peer Avg: 13.34%
#845 of 1077 Bottom 21.6% in 100M-500M tier
830
Average Member Relationship (AMR)
engagement
Value: $18,009
Peer Avg: $24,363
#830 of 1077 Bottom 23.0% in 100M-500M tier