# LOOKOUT
Pocatello, ID · NCUA charter 7776 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lookout-7776

Who the members are: federal charter, multiple common bond, organized 1952, low-income designated. 25,822 members of 130,000 potential (19.9% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $309.2M |
| Members | 25,822 (-2.3% YoY) |
| Full-time staff | 78 |
| Net worth | $22.9M |
| Net worth ratio | 7.4% (p1 of band) |
| ROA (annualized) | 0.63% (p45 of band) |
| Total delinquency | 1.29% (p89 of band) |
| Net charge-offs (annualized) | 0.90% (p85 of band) |
| Loans / shares | 78% (p58 of band) |
| Cash / assets | 9.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.87% (p98 of band) |
| Operating expense / assets | 5.69% (p98 of band) |
| Vehicles % of loans | 35% (p53 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 260% (p88 of band) |
| Vehicle delinquency | 2.87% (p98 of band) |
| Vehicle NCO | 5.41% (p99 of band) |
| Repossessed % of vehicle book | 0.20% (p85 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 209% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 26% |
| Average share balance | $5,686 |
| Participations bought / yr | $0 |
| Participations sold / yr | $7.4M |
| Participations outstanding | $14.2M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $18,951 |
| Loans granted, annualized | $93.3M |

## Participation posture (from the same filings)

Bought $0 and sold $7.4M in the latest annualized quarter; $14.2M outstanding purchased (62.1% of net worth), $2.1M sold and retained. Sold in 8 and bought in 1 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | thin capital |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 5 | expense trap |  |
| 2017-09 | 5 | margin squeeze, delinquency 2x band | net worth falling, expense trap |
| 2017-12 | 4 |  | margin squeeze |
| 2018-03 | 7 | losing money, expense trap, charge-offs p90 |  |
| 2018-06 | 7 | net worth falling | delinquency rising |
| 2018-09 | 8 | members leaving |  |
| 2018-12 | 7 |  | delinquency 2x band |
| 2019-03 | 5 |  | losing money, net worth falling |
| 2019-06 | 3 |  | charge-offs p90, members leaving |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 |  |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 6 | margin squeeze, delinquency rising |  |
| 2021-03 | 5 |  | delinquency rising |
| 2021-06 | 4 |  | net worth falling |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 |  | margin squeeze |
| 2022-03 | 4 | net worth falling |  |
| 2022-06 | 4 | members leaving | net worth falling |
| 2022-09 | 3 |  | members leaving |
| 2022-12 | 5 | net worth falling, delinquency rising, leaning on borrowings | expense trap |
| 2023-03 | 9 | capital below 7%, losing money, expense trap |  |
| 2023-06 | 9 |  |  |
| 2023-09 | 8 |  | delinquency rising |
| 2023-12 | 8 |  |  |
| 2024-03 | 8 | charge-offs p90 | expense trap |
| 2024-06 | 8 | expense trap, delinquency rising | net worth falling, charge-offs p90 |
| 2024-09 | 9 | assets shrinking |  |
| 2024-12 | 8 |  | delinquency rising |
| 2025-03 | 9 | delinquency rising, members leaving | leaning on borrowings |
| 2025-06 | 7 | loan book shrinking | capital below 7%, losing money |
| 2025-09 | 6 |  | loan book shrinking |
| 2025-12 | 4 |  | assets shrinking, delinquency rising |
| 2026-03 | 4 | delinquency 2x band | members leaving |

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

- 2026-08-21 [ISU's Welcome Back Orange & Black to feature charity rock-paper-scissors showdown - Idaho State Journal](https://news.google.com/rss/articles/CBMigwJBVV95cUxPV05fV2t6WTJBb0NEOHdqRGxxRU5rbFhWRHBuX0V5S2J3UEtfTnZnRWJySTJpVEpDOGgxY2dqMWlpQ2VCcVdDLXFndnhZVlpna3hLZVkwRFgxcmdJcE1uWXkxMDk3VnRJZWFCaW9XV3d6V3RpSW5pd1ptVzI1clVscHZoNlJhX3BlVWdraFVHZUJGNGJfQ04xOExUWktLeHBOTGNNb3NSU0h2SWNVMzZNNkhpMGpDNTh2VXJWNXJkLVh5MmN3Y3EtQ3l0UE5jUHJodURFS2dhOFFpN0V4VmlNenh6VnlmTjJ6cHJLa2F6clNialVVWEJpdi03b2RTdXpRaEVN?oc=5) · Idaho State Journal
- 2026-02-12 [New and improved playground coming to McCowin Park thanks to $125K donation - eastidahonews.com](https://news.google.com/rss/articles/CBMiswFBVV95cUxQUXJZYjJsSmtIMjFZYjB4V0FxekhIOFdreEY3R21wdFJpWGhxalpyVldfRDdvY3RxX3RMU3RrWGJUb2stb2RqV0pCZXlNVjc3NWVwRlhBZjRjWG9FSk9LZFNEVHNKbkhOTEZnZUU1Yzc1UjU5QlRKc29MMUY5ZWw3WXFIQ0RHMm9FVVFhalFjS25teGp5ZzNWdUxEQVMySFU0VHE2bWYteFBTekdUTHptQTFwaw?oc=5) · eastidahonews.com
- 2024-03-08 [Lookout Credit Union CEO awarded business leader of the year by ISU - Idaho State Journal](https://news.google.com/rss/articles/CBMi9AFBVV95cUxNNEIxanVTMDZQNmdxakV4UnJoamR0ZktxbG5rZTFfbEh4LWRQQ2Y4a0J5WHRLaFZLX2pjV2dqYk9yX1VLT1cwOWFfV1hUSFZ0UjRMOS0yc25PazE0Tmt0b3VjVktNMzJZVHV1ek1RbFZqMkd3TzZfMGhqTnBTcjhnYjJvX1pHNHBHbUNPNXR0b1pnSklYSDAtUG1CajNNU1VTaTFQWGJQeDBGV1RVZnBNN3JRUlVZSC0tSl80YmtFSG40STNSSmJXcjNwbHU5ZkVMTHA5c3Q5TktsRDlZWkVIWkxmVjN1ekZjOWttamo4SGdFbXVu?oc=5) · Idaho State Journal
- 2023-09-01 [Best Credit Unions to Work For with $200M to $500M of assets - americanbanker.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWXFzUjQyU2xFbS1iV3NtVDlqRmJRNHRvbWtqZUR3dkpZSWpvSmJyd2FxOHl0VkcxUy1tNjAxMXg1UTF4NG1tY3ZxdF92MG5tRWVzVjlxVEE0Vlc1YjVZLW1kTEphczR2b2FJd0NlQnNmc2hjOGNnSkVZV3ZLQ0pyV1NnWlhVV2lXS2QxdzZpV0VpV1NDamJBcVR3S0NXVmJqUl9BN2FZOTBITWc?oc=5) · americanbanker.com
- 2021-08-20 [Are FIs embracing the 2021 Pantone Color of the Year? - CUInsight](https://news.google.com/rss/articles/CBMihgFBVV95cUxNVmVUZE9reFl4Z2xUcEc1MU9jTExIQ2pCeVNnQmxxYVRRWmE2cXctelVtdE5XdzRqWFQ5VFZJLV82RWl3WW4zcU1BclFWUVp0eFB4WUZ0dXRmRU1NU0ZfalgyekxQQ1ZTV3RtNXl6TWZ5eTNpWlFRRnEwVlVTQkp0TV8tYnVkQQ?oc=5) · CUInsight
- 2025-08-26 [Idaho State University Welcomes Students to The New School Year - KPVI](https://news.google.com/rss/articles/CBMi5AFBVV95cUxPMUxNWlc3OTZaNEpBNXlrRlVXeHBNRk05ay1XWlRaa3B4YUpMa0lqQVU3VVhMcW80dlJNMTQxX2ZYbTdWeWdDa3dMeDlvZ3UzRDFTWHhSNWhnVzZwRVdnYmIyMmFwZGRta2ZJcmVzWmxGRFp4Vy1YeUdBWW5YVjBTZFhtZncwcTNrbEhiV29rQTNVUlZPN3dlX1kwYWNnTTNLOTV3RGhDQThFb3ZQZzFZUHVYQnRleDBPZlFNS0Qtdk93ckl0aDlia1E3Tm1WazZfRTJSS0lIdkQyRkJ6WFpjWGw1aXE?oc=5) · KPVI
- 2021-01-24 [ISU Credit Union changing name to Lookout Credit Union - Idaho State Journal](https://news.google.com/rss/articles/CBMi4wFBVV95cUxNM0JBX29uTnY4RFE4MGl4MEM4d3pEcEM2bUxsaWdrbU4teUlEbEF3UXdJa3pyLXRsNTM0UW5sYkVuUGRKUDhmeGpRVHFUc2ptejJMbldFcE03bWdkNndYUHQ5N0cyd21HeGJUVFRrbXpSaGpscTdUQU1wUGJrdDhKTUI1N0xOM1RRZW9pSV8xM211Ty1HUDlieFpYbXJGUzdEcndFdDVtNlRSVGtIUW5KdjdBV2VyRVkxVFNxLWR1RUxRUW9RZzNqdG1kNjNSM0FTS3pzanpTNElzMXFJbEMxQnVHQQ?oc=5) · Idaho State Journal
- 2021-01-19 [ISU Credit Union is now Lookout Credit Union - Idaho State Journal](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPMGVVMjFpVW5TM3VBaWVhLWVZUUlacXM1R3kydmhGSHkzTEpWellRVV9Rbl9iVmlPTnJrUk93bEdjWWRlMjE2NEYtT0dkTTFJU3dzWDRhTzlKLTFBc0Qtb1hiTnFVWDZxeUg3VHF5dUJLeVVmcjgzYkt4ZzA0b2ozMmh0cE5RQVhkdWp3UHhkUE9tQVlHT1hhcEVTNU1qcnd1bklDdWxYYzhxYjB0QVgzT2RFcmV5b3M4QVZrTGR1cmhudkRqajVOMVhjSjdPM2puRlh3ZQ?oc=5) · Idaho State Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7776 (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/32.json (key "7776", 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=7776
- 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