BlastPoint's Credit Union Scorecard

LOOKOUT

Charter #7776 · ID

1077 CUs in 100M-500M nationally 9 in ID

LOOKOUT has 2 strengths but faces 13 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

+ 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	71%
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	76%
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	75%

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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	0.5% -290.1% YoY-18.7% QoQ	-0.3%	0.8% +15.5% YoY	0.6% -15.0% YoY	0.7% +273.4% YoY	29%
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	64%
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	84%
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	67%
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	53%
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	23%
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	50%
Indirect Auto %	24.6% +3.6% YoY+1.9% QoQ	+10.7%	14.0% -5.7% YoY	12.1% -5.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

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: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -4.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.13%

(Tier: 3.65%, 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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.04%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.13%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.94%

(Tier: 0.85%, National: 1.23%)

worse 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: 13.97%, 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

Fee Income Per Member

profitability

Value: $283.23

Peer Avg: -

#80 of 1077 Top 7.3% in 100M-500M tier

119

Total Members

engagement

Value: 26,041

Peer Avg: -

#119 of 1077 Top 11.0% in 100M-500M tier

261

Total Loans

balance_sheet

Value: $202.20M

Peer Avg: -

#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1067

Net Worth Ratio

risk

Value: 7.32%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1066

Asset Growth Rate

growth

Value: -8.19%

Peer Avg: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

974

Loan Growth Rate

growth

Value: -6.13%

Peer Avg: -

#974 of 1077 Bottom 9.7% in 100M-500M tier

958

Deposit Growth Rate

growth

Value: -1.46%

Peer Avg: -

#958 of 1077 Bottom 11.1% in 100M-500M tier

940

Member Growth Rate

growth

Value: -4.04%

Peer Avg: -

#940 of 1077 Bottom 12.8% in 100M-500M tier

900

Efficiency Ratio

profitability

Value: 87.20%

Peer Avg: -

#900 of 1077 Bottom 16.5% in 100M-500M tier

845

Indirect Auto Concentration (%)

balance_sheet

Value: 24.63%

Peer Avg: -

#845 of 1077 Bottom 21.6% in 100M-500M tier

830

Average Member Relationship (AMR)

engagement

Value: $18,009

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier