BlastPoint's Credit Union Scorecard
LOOKOUT
Charter #7776 · ID
LOOKOUT has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + Fee Income Per Member: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 18.4% in tier
- - Credit Quality Pressure: Bottom 25.4% in tier
- - Membership Headwinds: Bottom 27.3% in tier
- - Institutional Decline: Bottom 50.6% in tier
- - Indirect Auto Dependency: Bottom 79.8% in tier
- - Efficiency Drag: Bottom 93.5% in tier
- - ROA 0.02% below tier average
- - Efficiency ratio 7.01% above tier (higher cost structure)
- - Delinquency rate 0.37% above tier average
- - Member decline: -4.6% YoY
- - Net Worth Ratio: Bottom 2.2% in tier
- - Asset Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,848
-4.6% YoY-0.7% QoQ
|
+10.4K |
15,437
-2.9% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
Top 10.9% in tier |
| Assets |
$298.3M
-1.9% YoY+3.1% QoQ
|
+$66.4M |
$231.9M
+1.3% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$212.9M
-0.5% YoY+5.3% QoQ
|
+$65.5M |
$147.3M
-0.1% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$267.0M
-0.9% YoY+0.1% QoQ
|
+$66.2M |
$200.8M
+0.8% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.7%
-302.7% YoY+62.6% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.9%
+17.3% YoY+2.1% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
84.0%
-14.2% YoY-3.6% QoQ
|
+7.0% |
77.0%
-3.1% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
1.3%
+43.7% YoY+33.4% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
79.7%
+0.4% YoY+5.2% QoQ
|
+7.5% |
72.2%
-1.1% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$18,566
+4.0% YoY+3.1% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
25.1%
-2.7% YoY+3.2% QoQ
|
+0.7% | 24.4% | 27.2% | 19.8% | 50% |
| Indirect Auto % |
24.5%
+3.3% YoY-0.7% QoQ
|
+10.7% | 13.8% | 11.9% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)