Lookout Federal Credit Union
Total assets
$309.2M
▲ +3.2% YoY
Shares & deposits
$277.5M
▲ +3.3% YoY
Loans
$215.8M
▲ +2.6% YoY
Members
25,822
▼ -2.3% YoY
ROA (annualized)
0.63%
peers 0.69%
ROE (annualized)
8.52%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.9% | -0.7 pts |
| Share growth (YoY) | +3.3% | +3.3% | -0.0 pts |
| Loan growth (YoY) | +2.6% | +2.9% | -0.3 pts |
| ROA | 0.63% | 0.69% | -0.1 pts |
| ROE | 8.5% | 5.9% | +2.6 pts |
ROA ranks in the 45th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 275 S. 5Th Ave, Suite 210, Pocatello, ID, 83201
- NCUA charter #
- 7776
- RSSD ID
- 141789
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $309.2M | $277.5M | $215.8M | $22.9M | $487K | 0.63% | 4.87% | 1.29% | 25,822 |
| Q4 2025 | $298.3M | $267.0M | $212.9M | $22.4M | $2.2M | 0.73% | 3.84% | 1.26% | 25,848 |
| Q3 2025 | $289.2M | $266.8M | $202.2M | $21.2M | $998K | 0.46% | 3.83% | 0.94% | 26,041 |
| Q2 2025 | $291.4M | $268.6M | $202.5M | $21.1M | $833K | 0.57% | 3.71% | 1.02% | 26,238 |
| Q1 2025 | $299.6M | $268.8M | $210.3M | $20.3M | $-27K | -0.04% | 3.53% | 0.91% | 26,437 |
| Q4 2024 | $304.0M | $269.4M | $214.1M | $20.3M | $-1.1M | -0.37% | 3.38% | 0.88% | 27,086 |
| Q3 2024 | $315.0M | $270.7M | $215.4M | $20.9M | $-577K | -0.24% | 3.24% | 0.59% | 27,137 |
| Q2 2024 | $322.9M | $268.0M | $226.1M | $21.0M | $-580K | -0.36% | 3.13% | 0.67% | 27,214 |
Loan mix (Q1 2026): real estate $79.1M · commercial $47.8M · consumer $78.7M · securities $40.7M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.69% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 5.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.62% | 96th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.2% | 78.7% | 48th | |
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% |
Balance sheet
| Ratio | Value | 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% |
Capital
| Ratio | Value | 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% |
Credit quality
| Ratio | Value | 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% |
Franchise
| Ratio | Value | 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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