State credit union · Lewiston, Utah · NCUA charter #67108
Presto Lewiston Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $337K
- Total assets
- 109
- Members
- 25.8%
- Net-worth ratio
Presto Lewiston Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $337K; members 109; net-worth ratio 25.77%; health rank #1,545 of 4,374; healthier than 60th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,545 of 4,374 health · 2025Q4Presto Lewiston Employees · health 87/100 · $337K · 2025Q4
- NW 87/100
- DELQ 25.8%
- ROA 0.00%
- ASSETS 0.46%
- MEM $337K
- RANK 109
- PHOTO #1,545/4,374
- BOOK n/a
- CHARTER 67108
Call Report peers
Presto Lewiston Employees carries $337K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Presto Lewiston Employees 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
87 Top 40% higher than 60% 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
Presto Lewiston Employees - Share Insurance Coverage
Charter #67108's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Presto Lewiston Employees vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 80.37% vs peer 52.70% (+27.67 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Presto Lewiston Employees in Utah
- In Utah, health place is #24 of 53 on the same NCUA-ratio sort used nationally.
- By total assets, Presto Lewiston Employees is #52 of 53 in Utah.
- Member book place in Utah: #52 of 53.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Presto Lewiston Employees: 2025Q4 → 2026Q1
Presto Lewiston Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.4% from $337K (2025Q4) to $349K (2026Q1).
- Net-worth ratio shifted -0.84 pp (26.61% → 25.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 25.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.4 pts
- Member Growth 2.6 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.77% | +2.84 pp |
| Delinquency Rate | 0.00% | -4.48 pp |
| Return on Assets | 0.46% | +0.24 pp |
| Member Growth | -3.54% | - |
| Loan-to-Share Ratio | 80.37% | +27.67 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Presto Lewiston Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $349K | - |
| 2025Q4 | $337K | 109 |
| 2024Q4 | $350K | 113 |
| 2023Q4 | $342K | 116 |
Credit Union Details
- Charter Number
- 67108
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Utah
- City
- Lewiston
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Presto Lewiston Employees.
| Office | City |
|---|---|
| Presto Credit Union (Main Office) | Lewiston, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
A look at other Utah credit unions, ranked by how closely their peer group and asset size match this one.
Presto Lewiston Employees nationwide neighbourhoods
Cross-state asset and health neighbours for Presto Lewiston Employees - kept outside Utah; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Presto Lewiston Employees ranks #1,545 of 4,374 nationally on financial health and #24 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Valley Wide is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Valley Wide
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah 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 Presto Lewiston Employees financially healthy?
Presto Lewiston Employees scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,545 of 4,374; by total assets it ranks #4,329 of 4,374 nationally (same basis as /rankings/largest); and #52 of 53 within Utah. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 25.77% net worth ratio and a 0.00% delinquency rate.
How does Presto Lewiston Employees compare to other credit unions?
PlainCU's health composite puts Presto Lewiston Employees at 87/100, compared to a peer group average for Under $2M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Presto Lewiston Employees?
Membership eligibility for Presto Lewiston Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Presto Lewiston Employees directly for current membership requirements and application steps.
Is my money safe at Presto Lewiston Employees?
Federal credit unions like Presto Lewiston Employees 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. Presto Lewiston Employees's net worth ratio of 25.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Presto Lewiston Employees offer compared to banks?
Credit unions like Presto Lewiston Employees 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 Presto Lewiston Employees 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.