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BlastPoint's Credit Union Scorecard

LOOKOUT

Charter #7776 · ID

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

LOOKOUT has 3 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 0.64% above tier average
  • + Fee Income Per Member: Top 7.5% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Stagnation Risk: Bottom 50.0% in tier
  • - Membership Headwinds: Bottom 50.0% in tier
  • - ROA 0.46% below tier average
  • - Efficiency ratio 9.33% 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 +4.8% year over year ($282M in shares and deposits).
  • Membership: 25,798 members, -1.7% vs a year ago.
  • Delinquency rate 1.36%.
  • Return on assets 0.40%.
  • Efficiency ratio 86.07% vs a 76.73% peer average.
  • Loan-to-share ratio 75.43% 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 25,798
-1.7% YoY-0.1% QoQ
 +10.6K 15,168
-2.6% YoY
 72,350
+37.4% YoY
 34,678
+6.6% YoY
 Top 11.2% in tier
Assets $313.7M
+7.7% YoY+1.4% QoQ
 +$81.7M $232.0M
+0.7% YoY
 $1.3B
+42.1% YoY
 $593.1M
+10.2% YoY
 75%
Loans $212.4M
+4.9% YoY-1.6% QoQ
 +$66.2M $146.3M
+0.2% YoY
 $1.1B
+44.8% YoY
 $418.6M
+10.1% YoY
 78%
Deposits $281.6M
+4.8% YoY+1.5% QoQ
 +$80.9M $200.7M
+0.2% YoY
 $1.1B
+40.5% YoY
 $504.8M
+10.3% YoY
 78%

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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 0.4%
-28.4% YoY-35.9% QoQ
 -0.5% 0.9%
+12.5% YoY
 0.8%
-11.7% YoY
 1.2%
+121.4% YoY
 21%
NIM 4.3%
+18.4% YoY-11.0% QoQ
 +0.6% 3.7%
+4.5% YoY
 3.6%
+0.7% YoY
 3.8%
+2.3% YoY
 Top 15.0% in tier
Efficiency Ratio 86.1%
+0.6% YoY+10.0% QoQ
 +9.3% 76.7%
-0.8% YoY
 77.8%
+6.1% YoY
 83.0%
-5.3% YoY
 79%
Delinquency Rate 1.4%
+33.0% YoY+5.6% QoQ
 +0.5 0.9%
+6.6% YoY
 0.7%
-36.1% YoY
 1.3%
+2.6% YoY
 82%
Loan To Share 75.4%
+0.0% YoY-3.0% QoQ
 +3.9% 71.5%
-0.3% YoY
 87.8%
+3.1% YoY
 66.4%
-1.4% YoY
 54%
AMR $19,150
+6.6% YoY+0.2% QoQ
 $-6K $25,107
+3.2% YoY
 $26,672
+11.3% YoY
 $20,028
-0.9% YoY
 27%
CD Concentration 27.4%
+9.8% YoY+5.5% QoQ
 +2.9% 24.6% 31.4% 20.0% 50%
Indirect Auto % 28.2%
+16.5% YoY+4.3% QoQ
 +14.5% 13.6% 14.2% 7.7% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#324 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): 6.65%
(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
#67 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): 7.66%
(Tier: 4.62%, National: 3.30%)
but better than tier avg
Indirect Auto %: 28.16%
(Tier: 13.63%, National: 7.71%)
worse than tier avg
Member Growth (YoY): -1.68%
(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
#157 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: 86.07%
(Tier: 76.58%, National: 82.97%)
worse than tier avg
ROA Change (YoY): -0.16% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
Member Growth (YoY): -1.68%
(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 | Rank improving

Credit Quality Pressure

risk
#219 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): 0.34% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY

Credit Risk Growth

risk
#186 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): 4.88%
(Tier: 4.13%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.34% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally
↑ Growing +32 CUs YoY | New qualifier

Stagnation Risk

risk
#356 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): -1.68%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
Loan Growth (YoY): 4.88%
(Tier: 4.13%, National: 78.26%)
but better than tier avg
Delinquency Rate: 1.36%
(Tier: 0.87%, National: 1.26%)
worse than tier avg
549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally
↓ Shrinking -15 CUs YoY | Rank worsening

Membership Headwinds

decline
#376 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): -1.68%
(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 | 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 1024 peers in tier

Top Strengths (8 metrics)

78
Fee Income Per Member
profitability
Value: $277.95
Peer Median: $159.88
#78 of 1024 Top 7.5% in 100M-500M tier
115
Total Members
engagement
Value: 25,798
Peer Median: 13,128
#115 of 1024 Top 11.1% in 100M-500M tier
154
Net Interest Margin (NIM)
profitability
Value: 4.33%
Peer Median: 3.67%
#154 of 1024 Top 14.9% in 100M-500M tier
201
Asset Growth Rate
growth
Value: 7.66%
Peer Median: 4.12%
#201 of 1024 Top 19.5% in 100M-500M tier
220
Total Loans
balance_sheet
Value: $212.42M
Peer Median: $124.04M
#220 of 1024 Top 21.4% in 100M-500M tier
227
Total Deposits
balance_sheet
Value: $281.62M
Peer Median: $170.77M
#227 of 1024 Top 22.1% in 100M-500M tier
250
AMR Growth Rate
growth
Value: 6.65%
Peer Median: 3.53%
#250 of 1024 Top 24.3% in 100M-500M tier
255
Total Assets
balance_sheet
Value: $313.66M
Peer Median: $196.38M
#255 of 1024 Top 24.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1010
Net Worth Ratio
risk
Value: 7.60%
Peer Median: 11.71%
#1010 of 1024 Bottom 1.5% in 100M-500M tier
850
Indirect Auto Concentration (%)
balance_sheet
Value: 28.16%
Peer Median: 6.15%
#850 of 1024 Bottom 17.1% in 100M-500M tier
841
Total Delinquency Rate (60+ days)
risk
Value: 1.36%
Peer Median: 0.71%
#841 of 1024 Bottom 18.0% in 100M-500M tier
814
Efficiency Ratio
profitability
Value: 86.07%
Peer Median: 77.26%
#814 of 1024 Bottom 20.6% in 100M-500M tier
810
Return on Assets (ROA)
profitability
Value: 0.40%
Peer Median: 0.75%
#810 of 1024 Bottom 21.0% in 100M-500M tier
782
Net Charge-Off Rate
risk
Value: 0.63%
Peer Median: 0.34%
#782 of 1024 Bottom 23.7% in 100M-500M tier
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