LEWIS CLARK
Charter #68386 · Lewiston, ID · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.66% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 2.02% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 85.18% sits at the 77th percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 25th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LEWIS CLARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $275.31M | 69th pct | 69th pct |
| Members | 21,753 | 82th pct | 69th pct |
| Net worth ratio | 10.11% | 29th pct | 30th pct |
| Return on average assets | 0.51% | 37th pct | 43th pct |
| Net interest margin | 3.66% | 50th pct | 25th pct |
| Cost of funds | 2.02% | 89th pct | 85th pct |
| Loan-to-share | 83.42% | 76th pct | 59th pct |
| Delinquency 60+ days | 0.48% | 40th pct | 34th pct |
| Net charge-off ratio | 0.46% | 61th pct | 36th pct |
| Loan growth YoY | -0.33% | 43th pct | 31th pct |
| Share growth YoY | -0.22% | 9th pct | 7th pct |
| Efficiency ratio | 85.18% | 72th pct | 77th pct |
structural peer set hash: c0a207358697bb7f0794b84a615a847b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.