| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.1% | +2.0 pts |
| Share growth (YoY) | +5.7% | +3.5% | +2.1 pts |
| Loan growth (YoY) | +3.8% | +2.9% | +0.9 pts |
| ROA | 0.64% | 0.74% | -0.1 pts |
| ROE | 5.8% | 6.5% | -0.7 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $270.4M | $239.4M | $209.5M | $29.7M | $863K | 0.64% | 3.79% | 0.62% | 21,902 |
| Q1 2026 | $275.3M | $244.6M | $204.0M | $27.8M | $353K | 0.51% | 3.66% | 0.48% | 21,753 |
| Q4 2025 | $276.0M | $246.8M | $203.6M | $27.5M | $2.4M | 0.87% | 3.65% | 0.54% | 22,352 |
| Q3 2025 | $273.3M | $245.1M | $204.7M | $27.1M | $1.9M | 0.93% | 3.64% | 0.54% | 22,498 |
| Q2 2025 | $254.7M | $226.6M | $201.8M | $26.4M | $1.2M | 0.97% | 3.86% | 0.62% | 22,074 |
| Q1 2025 | $252.0M | $223.8M | $193.6M | $25.7M | $528K | 0.84% | 3.89% | 0.70% | 21,608 |
| Q4 2024 | $249.6M | $217.9M | $189.3M | $30.1M | $2.3M | 0.93% | 3.72% | 0.77% | 21,101 |
| Q3 2024 | $249.5M | $217.2M | $193.7M | $29.3M | $1.5M | 0.80% | 3.67% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Lewis Clark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.74% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 6.5% | 43rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.54% |
| 21,164 |
| Q2 2024 | $244.5M | $213.3M | $192.3M | $28.7M | $945K | 0.77% | 3.67% | 0.45% | 20,615 |
Loan mix (Q2 2026): real estate $24.2M · commercial $3.0M · consumer $144.0M · securities $30.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 77.5% | 65th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Lewis Clark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Lewis Clark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Lewis Clark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Lewis Clark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Lewis Clark Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
5 branches in 4 counties across 3 states (+0 vs 2025). Biggest market: Nez Perce, ID, ranked 7th with 7.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Nez Perce, ID | 2 | $95.8M* | 7.14% | 7th |
| Asotin, WA | 1 | $47.9M* | 8.27% | 8th |
| Barry, MO | 1 | $47.9M* | 3.12% | 11th |
| 1 more county with Pro → | ||||
Idaho: 48th with 0.21% · Washington: 129th with 0.02% · Missouri: 288th with 0.02% · Lewiston metro: 7th, 7.48% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 4 · 2023 4 · 2024 5 · 2025 5 · 2026 5