BlastPoint's Credit Union Scorecard
FIRST LINCOLN
Charter #10756 · NE
FIRST LINCOLN has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 23.79% above tier (higher cost structure)
- - Delinquency rate 5.81% above tier average
- - Member decline: -9.1% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - Loan Growth Rate: Bottom 5.0% in tier
- - Asset Growth Rate: Bottom 7.4% in tier
- - Member Growth Rate: Bottom 7.5% in tier
- - Net Charge-Off Rate: Bottom 8.5% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 34 that size in Nebraska.
- Shares and deposits -7.9% year over year ($16.1M in shares and deposits).
- Membership: 2,405 members, -9.1% vs a year ago.
- Delinquency rate 7.36%.
- Return on assets 2.20%.
- Efficiency ratio 112.56% vs a 88.77% peer average.
- Loan-to-share ratio 39.78% vs a 58.89% 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 |
2,405
-9.1% YoY-0.7% QoQ
|
-180 |
2,585
-1.7% YoY
|
11,070
-2.8% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$17.9M
-8.4% YoY-4.0% QoQ
|
$-12.4M |
$30.3M
+1.5% YoY
|
$139.7M
+2.9% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$6.4M
-22.7% YoY-6.2% QoQ
|
$-9.0M |
$15.5M
-1.7% YoY
|
$101.1M
+5.0% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$16.1M
-7.9% YoY-4.0% QoQ
|
$-9.7M |
$25.8M
+1.1% YoY
|
$119.4M
+3.3% YoY
|
$504.8M
+10.3% YoY
|
47% |
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| ROA |
2.2%
-396.5% YoY-179.8% QoQ
|
+0.7% |
1.5%
+241.5% YoY
|
1.1%
+69.2% YoY
|
1.2%
+121.4% YoY
|
Top 7.6% in tier |
| NIM |
3.9%
-0.3% YoY+0.6% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
4.1%
+6.3% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
112.6%
+6.1% YoY-7.2% QoQ
|
+23.8% |
88.8%
-6.9% YoY
|
79.7%
-2.7% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.3% in tier |
| Delinquency Rate |
7.4%
+212.7% YoY+15.3% QoQ
|
+5.8 |
1.5%
+2.1% YoY
|
1.2%
+28.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.7% in tier |
| Loan To Share |
39.8%
-16.0% YoY-2.3% QoQ
|
-19.1% |
58.9%
-3.1% YoY
|
69.5%
+0.0% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$9,376
-3.9% YoY-4.0% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$17,408
+1.9% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
17.4%
+21.7% YoY+19.3% QoQ
|
-7.2% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-13.6% | 13.6% | 5.2% | 7.7% | 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)