BlastPoint's Credit Union Scorecard

FIRST LINCOLN

Charter #10756 · NE

<100M

2508 CUs in <100M nationally 34 in NE

FIRST LINCOLN faces 7 concerns requiring attention

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 2.90% below tier average
- Efficiency ratio 30.73% above tier (higher cost structure)
- Delinquency rate 4.88% above tier average
- Member decline: -7.8% YoY
- Total Delinquency Rate (60+ days): Bottom 4.1% in tier
- Loan Growth Rate: Bottom 8.0% in tier
- Member Growth Rate: Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	2,423 -7.8% YoY-1.5% QoQ	-253	2,676 +1.6% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	59%
Assets	$18.6M -5.3% YoY+1.5% QoQ	$-11.5M	$30.2M +1.3% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	46%
Loans	$6.8M -18.3% YoY-7.0% QoQ	$-8.4M	$15.3M -2.0% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	42%
Deposits	$16.8M -4.9% YoY+2.3% QoQ	$-9.0M	$25.8M +0.7% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	48%

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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	-2.8% +211.7% YoY+432.2% QoQ	-2.9%	0.1% -77.6% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	Bottom 3.5% in tier
NIM	3.8% +2.6% YoY-3.5% QoQ	-0.2%	4.0% +4.0% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	51%
Efficiency Ratio	121.4% +15.8% YoY+10.3% QoQ	+30.7%	90.6% +6.5% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	Bottom 5.7% in tier
Delinquency Rate	6.4% +79.3% YoY+9.5% QoQ	+4.9	1.5% +3.8% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	Bottom 4.1% in tier
Loan To Share	40.7% -14.1% YoY-9.1% QoQ	-17.8%	58.5% -3.0% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	23%
AMR	$9,762 -1.5% YoY+1.0% QoQ	$-5K	$14,884 -1.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	27%
CD Concentration	14.6% -6.8% YoY-12.0% QoQ	-9.7%	24.3%	22.1%	19.8%	50%
Indirect Auto %	0.2% -67.7% YoY-39.8% QoQ	-13.6%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (1 metrics)

325

Net Charge-Off Rate

risk

Value: -0.04%

Peer Median: 0.07%

#325 of 2508 Top 12.9% in <100M tier

Top Weaknesses (12 metrics)

2419

Return on Assets (ROA)

profitability

Value: -2.76%

Peer Median: 0.61%

#2419 of 2508 Bottom 3.6% in <100M tier

2405

Total Delinquency Rate (60+ days)

risk

Value: 6.38%

Peer Median: 0.65%

#2405 of 2508 Bottom 4.1% in <100M tier

2367

Efficiency Ratio

profitability

Value: 121.36%

Peer Median: 81.45%

#2367 of 2508 Bottom 5.7% in <100M tier

2309

Loan Growth Rate

growth

Value: -18.31%

Peer Median: -2.36%

#2309 of 2508 Bottom 8.0% in <100M tier

2288

Member Growth Rate

growth

Value: -7.84%

Peer Median: -1.37%

#2288 of 2508 Bottom 8.8% in <100M tier

2184

Asset Growth Rate

growth

Value: -5.34%

Peer Median: 1.30%

#2184 of 2508 Bottom 13.0% in <100M tier

2160

Members Per Employee (MPE)

engagement

Value: 186.385

Peer Median: 333.750

#2160 of 2508 Bottom 13.9% in <100M tier

2139

Indirect Auto Concentration (%)

balance_sheet

Value: 0.22%

Peer Median: 0.00%

#2139 of 2508 Bottom 14.8% in <100M tier

2117

Net Worth Ratio

risk

Value: 9.78%

Peer Median: 14.28%

#2117 of 2508 Bottom 15.6% in <100M tier

2048

Deposit Growth Rate

growth

Value: -4.93%

Peer Median: 0.66%

#2048 of 2508 Bottom 18.4% in <100M tier