BlastPoint's Credit Union Scorecard
LINCONE
Charter #10585 · NE
LINCONE has 5 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 43.1% in tier
- + ROA 0.73% above tier average
- + Net Interest Margin 1.33% above tier average
- + Share Certificate Concentration (%): Top 7.0% in tier
- + First Mortgage Concentration (%): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 21.8% in tier
- - Shrinking Wallet Share: Bottom 22.4% in tier
- - Stagnation Risk: Bottom 25.2% in tier
- - Indirect Auto Dependency: Bottom 27.2% in tier
- - Institutional Decline: Bottom 28.2% in tier
- - Membership Headwinds: Bottom 31.5% in tier
- - Delinquency rate 0.29% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
- - Average Member Relationship (AMR): Bottom 4.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,631
-0.7% YoY+0.3% QoQ
|
+2.0K |
15,628
-3.4% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
67% |
| Assets |
$171.9M
+2.6% YoY-0.1% QoQ
|
$-59.4M |
$231.3M
-0.0% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
40% |
| Loans |
$81.2M
-5.1% YoY+0.2% QoQ
|
$-66.6M |
$147.8M
-1.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$148.5M
+0.7% YoY-0.4% QoQ
|
$-51.8M |
$200.3M
-0.0% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
41% |
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| ROA |
1.5%
+30.6% YoY-2.0% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
Top 11.7% in tier |
| NIM |
4.9%
+1.7% YoY+1.5% QoQ
|
+1.3% |
3.6%
+6.9% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Top 3.6% in tier |
| Efficiency Ratio |
71.2%
-1.8% YoY-0.1% QoQ
|
-6.1% |
77.3%
-3.0% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.1%
-2.4% YoY-14.3% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
54.7%
-5.8% YoY+0.6% QoQ
|
-18.0% |
72.7%
-1.5% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.4% in tier |
| AMR |
$13,028
-0.8% YoY-0.5% QoQ
|
$-11K |
$24,363
+2.9% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.2% in tier |
| CD Concentration |
7.3%
+10.7% YoY+5.8% QoQ
|
-17.1% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
19.2%
-13.5% YoY-1.6% QoQ
|
+5.2% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (6)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)