BlastPoint's Credit Union Scorecard
FIRST LINCOLN
Charter #10756 · NE
FIRST LINCOLN has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.03% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
- - Efficiency ratio 27.50% above tier (higher cost structure)
- - Delinquency rate 4.28% above tier average
- - Member decline: -5.0% YoY
- - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,460
-5.0% YoY-4.7% QoQ
|
-155 |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$18.4M
-2.7% YoY-1.6% QoQ
|
$-11.8M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$7.4M
-6.4% YoY-4.0% QoQ
|
$-8.4M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$16.4M
-2.5% YoY-1.6% QoQ
|
$-9.3M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
-0.5%
-49.2% YoY-33.3% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.7% in tier |
| NIM |
4.0%
+10.6% YoY+0.6% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
110.1%
-5.6% YoY+1.3% QoQ
|
+27.5% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
Top 6.4% in tier |
| Delinquency Rate |
5.8%
+107.1% YoY+128.7% QoQ
|
+4.3 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
Top 5.0% in tier |
| Loan To Share |
44.8%
-4.1% YoY-2.4% QoQ
|
-15.8% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$9,670
+1.3% YoY+2.4% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
16.5%
+17.1% YoY+0.3% QoQ
|
-7.9% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % |
0.4%
-66.7% YoY-16.8% QoQ
|
-13.4% | 13.8% | 5.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)