# LEWIS CLARK
Lewiston, ID · NCUA charter 68386 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lewis-clark-68386

Who the members are: state charter, organized 1939, low-income designated. 21,753 members of 7,708,003 potential (0.3% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 67.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $275.3M |
| Members | 21,753 (0.7% YoY) |
| Full-time staff | 40 |
| Net worth | $27.8M |
| Net worth ratio | 10.1% (p31 of band) |
| ROA (annualized) | 0.51% (p37 of band) |
| Total delinquency | 0.48% (p40 of band) |
| Net charge-offs (annualized) | 0.46% (p57 of band) |
| Loans / shares | 83% (p75 of band) |
| Cash / assets | 8.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p58 of band) |
| Operating expense / assets | 4.65% (p87 of band) |
| Vehicles % of loans | 65% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 54% |
| Third-party paper % of net worth | 301% (p93 of band) |
| Vehicle delinquency | 0.38% (p34 of band) |
| Vehicle NCO | 0.65% (p52 of band) |
| Repossessed % of vehicle book | 0.04% (p60 of band) |
| Real estate % of loans | 12% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 8% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 41% |
| Average share balance | $6,293 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 67% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $13,961 |
| Loans granted, annualized | $87.5M |

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 1 |  | auto monoline |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 | thin capital | 3rd-party paper>100% NW |
| 2017-03 | 3 | margin squeeze |  |
| 2017-06 | 3 | 3rd-party paper>100% NW | net worth falling |
| 2017-09 | 2 |  | margin squeeze |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | thin capital |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 3 | delinquency 2x band |  |
| 2022-06 | 2 |  | delinquency 2x band |
| 2022-09 | 3 | auto monoline |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 3 | expense trap |  |
| 2023-06 | 2 |  | expense trap |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-20 [Orofino woman admits to grand theft - The Lewiston Tribune](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNck9DbHhFWEhhYUlVczZaZV9OUlI5c3dmV1N2eVJBYlEyMkVIbzVYNVMyOUd3OUdhRTFyQ3lZcWI2QUh6TnZORTZXVEJvLUVRUmhPZ0ZTWEtkMTA0cE55WmZxLWJDMFlYUk1oZGczMFp2UnZsdzM1dFhCbC12QnhDYmRSTVdHenZR?oc=5) · The Lewiston Tribune
- 2026-07-20 [Ira Bruce Holst Obituary (2026) - Lewiston, ID - Malcom's Brower-Wann Funeral Home - Lewiston - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTE9VVjdBTVhLUVozVlJIalIzT3JrbVJxUFdIb21pbjFscHlycjl3SW84cVBHeHBHenlQLV9ZWFJsZndIUDMyQUhMZDg5V3dHc3B2NVo2d19qemdPMjdLZFNNcks3dGF3MGxwdXpVaHdqUEM5LXZtbDRNZHd1Vi0?oc=5) · Legacy obituary
- 2018-01-24 [Idaho Credit Union League slated to merge with Northwest Credit Union Association - Idaho Business Review](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOU2xUSEFfZzByU1hDRDZwemx0WVVoU29YZTFBV2NLSmlJMlcyejc5RlM4dWFJcjk4eGpQYUtKYi1ZcnllMUdrZFhaM2NCRml1azAzTEJCVm1tb2pWNW11MTJ3S1BsTldVUTVMWGZSckNtNzZGdE1MOTRqUV9Yd0JTU2ZDRTBQVXNrWmNlMWQ3MzU1b0lRWmhRV0g4a2V6WDVWbUludHgtUndTV2RVUS1wemIyc2tubWdFOFFpd0FWVWwxZ1U?oc=5) · Idaho Business Review
- 2017-12-20 [Idaho Credit Union League to merge with Northwest Credit Union Assc. - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxPSGl2cUNnUWI0WVRaVHItRVcwWjVJVWtDTmZ6emxqTzR0bTZPbjQ5VVBvVGgtOERfWDluSkZrNjZmZkpySElRMEJ5dXdfdV81cUpJV2Z5eGpvTFNBVWIwMGdlS1hDQVhvVkMtb0ZwTlJaNk5Sdm5GR2pQLUNJWkpFTEExSFVxd3k0WmJoaEIzS3BYeVVfd1VVMXVQYkJHdVFuVGVSQlEyd2FxcHhoMWdtOUpyc1JVbWs?oc=5) · American Banker
- 2022-02-18 [Parent buys pizza for teachers, staff at Lewis & Clark Elementary - Idaho State Journal](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQdEg1Z1pjRHFvTVJSQzlVd0Y3WXFiVjRManJRaFRvVjU4UU1KSDc2OWs5Z3JBRl9ZTmNRWWtXZ013S1dKTmNNclMxbTl1d3dWbkd1c04xdXlRM3RPdWgxd3o4emVQUWZ1c0ZtS0RPazJrMkV0SHBGeDRkbDZIRVQ5b2hnaVpTNlc0V3Vsb2MxakdpOTU5UVNXdGpHcWV2eVdLUTIyN01ULVMxaHRpbHl1eUlXNWJvel9oREE5eno2NDNTQzI1dzFnOGd2QXRKaU1kRDFMUEluVkRCaVc3UV80QnE1UjlhaThaeVJsakJn?oc=5) · Idaho State Journal
- 2019-04-18 [Brace yourself for another round of tuition hikes at Idaho’s public universities - Idaho Statesman](https://news.google.com/rss/articles/CBMinAFBVV95cUxQWWdoU2tYbFpzdWdjLWxNYlBBM05FYU81T2JkWXpiNzl6ekZ5RXJ4V0R5c3hudFdCY0xSMjNlVmQwVm03cVBFbnJvb1kxcld2dGU1ZUM2QW9RZF9CTTVYOGRSazlMZmkyLTZLc3lYc0J5dTl1UV9ENWZhMmtkWHV6clVUcUpGQk1odkxBb1lZbDNYc2k3U2pfYnRrWnrSAZwBQVVfeXFMUFBSdUl4R3FqaU5zcE40cjV5VldQSlBSb0ZpU2MtWEFUUlB0cGZfMGVZaEZtSmphbGZEaFNHYW9kcUltZzJ6VzVOZG5Sc3hRX01hellMcUk4cmFKSDd1R1NvajBZaDZZRDFtem9ERTN0eEhVRE5IYnFLV0tDYks1SHFCNEkwbm5PMWJtbndZV1hTd1JuMHhjOW80TGFI?oc=5) · Idaho Statesman
- 2021-11-08 [Fresh talent in a fresh facility for Idaho women - Moscow-Pullman Daily News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNdWVmQkVSdkFRYzZBd3ZKdW1UMEJuS0hDR1h2bGpORWF5SW5Kc1lVUnJtcFI2U0dzWHE0akFydzBDYmRNVVFPVDFVb0xGQ2Zqd2N3VElpTXFaTjAzVFI3WW5xaDA4N0FhRHJFbVpacXJURkNpUVU0MlI1X2d2OTBsWlpCNV9UdFR6T0hwU0VB?oc=5) · Moscow-Pullman Daily News
- 2026-02-09 [One Arrested, Two Others Sought in LC Valley Check Fraud Investigation - Dailyfly News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOSzVQWG5hb2dNUjN4LUU4cGtDMGpEYWdPQ1ZDMHBSY3IzemktMkdoZC10a2V0dks2S2tuVXVCc0JaN2lOQ0FZOHpzc3MwSWZvVmtWWFRHVW5iZDd6R2xEejJQS20yUG9fN3VpZmxYbzlDSmdvWGUwcFU1NnJqNG5ZZ09UTFdUcjlZcmdjbU1BNTF5eC1oYzZtQkZ0dzVOSHh4ODctcmx0ZlVSdw?oc=5) · Dailyfly News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68386 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/34.json (key "68386", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=68386
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide