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.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,100 of 4,374 health · 2025Q4LOOKOUT · health 59/100 · $298.3M · 2025Q4
- PHOTO 59/100
- BOOK 7.7%
- CHARTER 1.26%
- NCUSIF -0.38%
- CAMELS $298.3M
- HEALTH 25,848
- NW #4,100/4,374
- DELQ LOYALTY
- ROA 7776
LOOKOUT in the assets neighbourhood
LOOKOUT's $298.3M assets sit next to LOYALTY ($298.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LOOKOUT vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
LOOKOUT - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7776. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for ID only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for LOOKOUT
LOOKOUT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $298.3M (2025Q4) to $309.2M (2026Q1).
- Net-worth ratio shifted +0.10 pp (7.59% → 7.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 59.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for LOOKOUT, both outside Idaho so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($298.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (59/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Idaho credit unions compare overall before assuming this one is typical. Idaho state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is LOOKOUT financially healthy?
LOOKOUT has a financial health score of 59/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,100 of 4,374; by total assets it ranks #1,039 of 4,374 nationally (same basis as /rankings/largest); and #10 of 26 within Idaho. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 7.69% and delinquency rate of 1.26%.
How does LOOKOUT compare to other credit unions?
Five weighted metrics from NCUA filings produce LOOKOUT's 59/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like LOOKOUT are 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."
What rates does LOOKOUT offer compared to banks?
Credit unions like LOOKOUT are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact LOOKOUT directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.