BlastPoint's Credit Union Scorecard
LINCONE
Charter #10585 · NE
LINCONE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.74% above tier average
- + Share Certificate Concentration (%): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.13% above tier average
- - Member decline: -3.0% YoY
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,977
-3.0% YoY-1.1% QoQ
|
+1.8K |
15,145
-2.5% YoY
|
11,118
+0.3% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$183.8M
+4.4% YoY+4.1% QoQ
|
$-47.9M |
$231.7M
+0.8% YoY
|
$139.9M
+5.0% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$79.7M
-3.0% YoY-1.3% QoQ
|
$-64.5M |
$144.1M
+0.2% YoY
|
$100.8M
+9.2% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$158.7M
+3.3% YoY+4.3% QoQ
|
$-42.4M |
$201.1M
+0.4% YoY
|
$120.0M
+4.5% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
1.0%
-40.1% YoY-42.4% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.5%
+30.6% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
4.4%
-9.5% YoY-14.7% QoQ
|
+0.7% |
3.6%
+4.6% YoY
|
4.1%
+5.7% YoY
|
3.8%
+4.1% YoY
|
Top 12.5% in tier |
| Efficiency Ratio |
73.6%
+4.8% YoY+6.9% QoQ
|
-4.5% |
78.0%
-1.7% YoY
|
81.5%
-7.1% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.9%
-27.4% YoY-26.3% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
1.1%
+31.3% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
50.2%
-6.1% YoY-5.4% QoQ
|
-20.2% |
70.4%
-0.4% YoY
|
68.2%
-0.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.3% in tier |
| AMR |
$14,044
+4.3% YoY+3.5% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$17,286
+1.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.0% in tier |
| CD Concentration |
9.7%
+37.1% YoY+13.9% QoQ
|
-14.6% | 24.3% | 22.1% | 19.8% | 50% |
| Indirect Auto % |
17.3%
-16.7% YoY-4.6% QoQ
|
+3.5% | 13.8% | 5.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)