Federal credit union · Pocatello, Idaho · NCUA charter #7776
LOOKOUT
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $298.3M
- Total assets
- 25,848
- Members
- 7.7%
- Net-worth ratio
LOOKOUT scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $298.3M; members 25,848; net-worth ratio 7.69%; health rank #4,100 of 4,374; healthier than 6th of scored peers.
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LOOKOUT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LOOKOUT sits in 55-59 with 115 others.
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for LOOKOUT
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +7.53 pp (79.73% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -4.42 pp (7.69% vs 12.11%).
Idaho standing for LOOKOUT
- Health composite ranks #26 of 26 among scored Idaho credit unions.
- Idaho assets place: #10 of 26.
- Membership ranks #8 of 26 among Idaho CUs with a reported count (25,848 members).
- No scored Idaho credit union ranks lower; the next one up, Northwest Christian (#25) scores 66/100, 7 points higher.
Quarter path for LOOKOUT
LOOKOUT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $298.3M (2025Q4) to $309.2M (2026Q1).
- Net-worth ratio shifted +0.10 pp (7.59% → 7.69%).
7.69% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 59/100 score is built
LOOKOUT gives up 41 points in total. Member Growth costs the most, 14.2 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 24.2 pts
- Delinquency Rate 18.1 pts
- Return on Assets 1.1 pts
- Member Growth 0.8 pts
- Loan-to-Share Ratio 14.8 pts
LOOKOUT vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.69% | -4.42 pp |
| Delinquency Rate | 1.26% | +0.37 pp |
| Return on Assets | -0.38% | -1.00 pp |
| Member Growth | -4.57% | - |
| Loan-to-Share Ratio | 79.73% | +7.53 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
LOOKOUT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $309.2M | - |
| 2025Q4 | $298.3M | 25,848 |
| 2024Q4 | $304.0M | 27,086 |
| 2023Q4 | $335.3M | 27,493 |
Credit Union Details
- Charter Number
- 7776
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Idaho
- City
- Pocatello
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for LOOKOUT, spread across 5 cities.
| Office | City |
|---|---|
| Lookout FCU Omni Building (Main Office) | Pocatello, ID |
| Lookout FCU Blackfoot Branch | Blackfoot, ID |
| Lookout FCU Burley Branch | Burley, ID |
| Lookout FCU Sunnyside Branch | Idaho Falls, ID |
| Lookout FCU Fairview Boise Branch | Meridian, ID |
| Lookout FCU Campus Branch | Pocatello, ID |
| Lookout FCU Alameda Branch | Pocatello, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Idaho
A look at other Idaho credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for LOOKOUT
Using this data
- LOOKOUT ranks #4,100 of 4,374 nationally on financial health and #26 of 26 in ID -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Advantage Plus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Advantage Plus
Frequently Asked Questions
Is LOOKOUT financially healthy?
LOOKOUT has a financial health score of 59/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,100 of 4,374 nationally on health and #26 of 26 in Idaho. Its net worth ratio is 7.69% and its delinquency rate 1.26%.
How does LOOKOUT compare to other credit unions?
LOOKOUT scores 59/100, higher than 6% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (79.73% vs 72.20%). Its widest shortfall is net worth ratio (7.69% vs 12.11%).
How can I join LOOKOUT?
LOOKOUT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LOOKOUT directly for the exact boundaries and application steps.
Is my money safe at LOOKOUT?
LOOKOUT is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. LOOKOUT's net worth ratio of 7.69% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.