BlastPoint's Credit Union Scorecard

LINCONE

Charter #10585 · NE

1069 CUs in 100M-500M nationally 12 in NE

LINCONE has 3 strengths but faces 9 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

+ ROA 0.95% above tier average
+ Net Interest Margin 1.52% above tier average
+ Share Certificate Concentration (%): Top 8.1% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 22.1% in tier
- Credit Quality Pressure: Bottom 34.2% in tier
- Membership Headwinds: Bottom 43.9% in tier
- Institutional Decline: Bottom 64.0% in tier
- Indirect Auto Dependency: Bottom 78.2% in tier
- Delinquency rate 0.34% above tier average
- Member decline: -3.1% YoY
- Loan-to-Member Ratio (LMR): Bottom 4.3% in tier
- Average Member Relationship (AMR): Bottom 5.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	17,162 -3.1% YoY-2.7% QoQ	+1.7K	15,437 -2.9% YoY	11,118 +2.3% YoY	33,374 +5.7% YoY	66%
Assets	$176.5M +3.5% YoY+2.7% QoQ	$-55.3M	$231.9M +1.3% YoY	$137.3M +7.4% YoY	$561.6M +9.7% YoY	42%
Loans	$80.8M -2.9% YoY-0.5% QoQ	$-66.6M	$147.3M -0.1% YoY	$99.6M +9.6% YoY	$397.0M +8.8% YoY	23%
Deposits	$152.2M +1.6% YoY+2.5% QoQ	$-48.6M	$200.8M +0.8% YoY	$116.6M +5.9% YoY	$477.3M +9.7% YoY	42%

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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	1.7% +38.5% YoY+12.5% QoQ	+1.0%	0.8% +18.2% YoY	0.6% +50.8% YoY	0.7% +15.9% YoY	Top 5.9% in tier
NIM	5.1% +5.1% YoY+4.3% QoQ	+1.5%	3.6% +6.7% YoY	4.0% +10.2% YoY	3.8% +5.1% YoY	Top 2.0% in tier
Efficiency Ratio	68.8% -3.7% YoY-3.4% QoQ	-8.2%	77.0% -3.1% YoY	81.4% -6.7% YoY	79.7% -3.3% YoY	23%
Delinquency Rate	1.2% +33.4% YoY+7.4% QoQ	+0.3	0.9% +4.2% YoY	1.1% -6.1% YoY	1.3% -2.1% YoY	79%
Loan To Share	53.1% -4.4% YoY-2.9% QoQ	-19.2%	72.2% -1.1% YoY	70.8% +0.1% YoY	67.4% -1.7% YoY	Bottom 13.1% in tier
AMR	$13,575 +3.2% YoY+4.2% QoQ	$-11K	$24,676 +3.4% YoY	$17,066 +1.6% YoY	$19,687 +2.0% YoY	Bottom 5.0% in tier
CD Concentration	8.5% +14.5% YoY+17.2% QoQ	-15.9%	24.4%	22.3%	19.8%	50%
Indirect Auto %	18.1% -15.1% YoY-5.7% QoQ	+4.3%	13.8%	5.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#123 of 554 • Bottom 22.1% 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): -3.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.91%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.23%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#242 of 705 • Bottom 34.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Membership Headwinds

decline

#244 of 554 • Bottom 43.9% in tier

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

Why This Signature

Member Growth (YoY): -3.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#154 of 240 • Bottom 64.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $176.55M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -3.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.91%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Indirect Auto Dependency

risk

#396 of 506 • Bottom 78.2% in tier

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

Why This Signature

Asset Growth (YoY): 3.50%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 18.12%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -3.14%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.12%

Peer Median: -

#21 of 1069 Top 1.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.71%

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.54%

Peer Median: -

#88 of 1069 Top 8.1% in 100M-500M tier

123

First Mortgage Concentration (%)

balance_sheet

Value: 8.99%

Peer Median: -

#123 of 1069 Top 11.4% in 100M-500M tier

230

Members Per Employee (MPE)

engagement

Value: 390.045

Peer Median: -

#230 of 1069 Top 21.4% in 100M-500M tier

243

Efficiency Ratio

profitability

Value: 68.83%

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1024

Loan-to-Member Ratio (LMR)

engagement

Value: $4,706

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

1016

Average Member Relationship (AMR)

engagement

Value: $13,575

Peer Median: -

#1016 of 1069 Bottom 5.1% in 100M-500M tier

929

Loan-to-Share Ratio

balance_sheet

Value: 53.06%

Peer Median: -

#929 of 1069 Bottom 13.2% in 100M-500M tier

871

Member Growth Rate

growth

Value: -3.14%

Peer Median: -

#871 of 1069 Bottom 18.6% in 100M-500M tier

866

Loan Growth Rate

growth

Value: -2.91%

Peer Median: -

#866 of 1069 Bottom 19.1% in 100M-500M tier

849

Total Delinquency Rate (60+ days)

risk

Value: 1.23%

Peer Median: -

#849 of 1069 Bottom 20.7% in 100M-500M tier

823

Total Loans

balance_sheet

Value: $80.77M

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier