BlastPoint's Credit Union Scorecard

LINCONE

Charter #10585 · NE

100M-500M

1024 CUs in 100M-500M nationally 12 in NE

LINCONE has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.18% above tier average
+ Net Interest Margin 0.81% above tier average
+ AMR Growth Rate: Top 8.9% in tier
+ Share Certificate Concentration (%): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Member decline: -3.6% YoY
- Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- Average Member Relationship (AMR): Bottom 7.4% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 12 that size in Nebraska.
Shares and deposits +5.7% year over year ($158M in shares and deposits).
Membership: 16,949 members, -3.6% vs a year ago.
Delinquency rate 0.58%.
Return on assets 1.04%.
Efficiency ratio 75.32% vs a 76.73% peer average.
Loan-to-share ratio 55.47% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	16,949 -3.6% YoY-0.2% QoQ	+1.8K	15,168 -2.6% YoY	11,070 -2.8% YoY	34,678 +6.6% YoY	66%
Assets	$183.6M +6.7% YoY-0.1% QoQ	$-48.4M	$232.0M +0.7% YoY	$139.7M +2.9% YoY	$593.1M +10.2% YoY	44%
Loans	$87.5M +8.0% YoY+9.8% QoQ	$-58.8M	$146.3M +0.2% YoY	$101.1M +5.0% YoY	$418.6M +10.1% YoY	27%
Deposits	$157.7M +5.7% YoY-0.7% QoQ	$-43.0M	$200.7M +0.2% YoY	$119.4M +3.3% YoY	$504.8M +10.3% YoY	44%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -32.7% YoY+5.9% QoQ	+0.2%	0.9% +12.5% YoY	1.1% +69.2% YoY	1.2% +121.4% YoY	67%
NIM	4.5% -7.2% YoY+2.8% QoQ	+0.8%	3.7% +4.5% YoY	4.1% +6.3% YoY	3.8% +2.3% YoY	Top 11.0% in tier
Efficiency Ratio	75.3% +5.6% YoY+2.4% QoQ	-1.4%	76.7% -0.8% YoY	79.7% -2.7% YoY	83.0% -5.3% YoY	42%
Delinquency Rate	0.6% -56.6% YoY-36.0% QoQ	-0.3	0.9% +6.6% YoY	1.2% +28.5% YoY	1.3% +2.6% YoY	42%
Loan To Share	55.5% +2.1% YoY+10.5% QoQ	-16.1%	71.5% -0.3% YoY	69.5% +0.0% YoY	66.4% -1.4% YoY	18%
AMR	$14,466 +10.5% YoY+3.0% QoQ	$-11K	$25,107 +3.2% YoY	$17,408 +1.9% YoY	$20,028 -0.9% YoY	Bottom 7.3% in tier
CD Concentration	9.8% +42.4% YoY+0.8% QoQ	-14.8%	24.6%	22.2%	20.0%	50%
Indirect Auto %	15.2% -22.2% YoY-12.1% QoQ	+1.6%	13.6%	5.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#114 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.46%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Margin Compression

decline

#43 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.04%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.55%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.51% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Membership Headwinds

decline

#204 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.57%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#296 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.68%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 15.18%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -3.57%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Stagnation Risk

risk

#377 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.57%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 7.96%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.58%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (5 metrics)

AMR Growth Rate

growth

Value: 10.46%

Peer Median: 3.53%

#92 of 1024 Top 8.9% in 100M-500M tier

100

Share Certificate Concentration (%)

balance_sheet

Value: 9.80%

Peer Median: 23.39%

#100 of 1024 Top 9.7% in 100M-500M tier

113

Net Interest Margin (NIM)

profitability

Value: 4.49%

Peer Median: 3.67%

#113 of 1024 Top 10.9% in 100M-500M tier

176

First Mortgage Concentration (%)

balance_sheet

Value: 13.37%

Peer Median: 29.92%

#176 of 1024 Top 17.1% in 100M-500M tier

247

Loan Growth Rate

growth

Value: 7.96%

Peer Median: 3.02%

#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (5 metrics)

955

Loan-to-Member Ratio (LMR)

engagement

Value: $5,161

Peer Median: $9,434

#955 of 1024 Bottom 6.8% in 100M-500M tier

949

Average Member Relationship (AMR)

engagement

Value: $14,466

Peer Median: $23,006

#949 of 1024 Bottom 7.4% in 100M-500M tier

857

Member Growth Rate

growth

Value: -3.57%

Peer Median: -0.03%

#857 of 1024 Bottom 16.4% in 100M-500M tier

850

Net Charge-Off Rate

risk

Value: 0.75%

Peer Median: 0.34%

#850 of 1024 Bottom 17.1% in 100M-500M tier

839

Loan-to-Share Ratio

balance_sheet

Value: 55.47%

Peer Median: 73.07%

#839 of 1024 Bottom 18.2% in 100M-500M tier