BlastPoint's Credit Union Scorecard
FIRST LINCOLN
Charter #10756 · NE
FIRST LINCOLN has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.02% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.46% below tier average
- - Efficiency ratio 27.26% above tier (higher cost structure)
- - Delinquency rate 1.04% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,580
+0.8% YoY-2.5% QoQ
|
-45 |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$18.7M
-2.3% YoY-4.4% QoQ
|
$-11.2M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$7.7M
-2.0% YoY-7.6% QoQ
|
$-8.1M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$16.7M
-1.9% YoY-4.7% QoQ
|
$-8.8M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
48% |
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| ROA |
-0.8%
+321.0% YoY+4.6% QoQ
|
-1.5% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.7% in tier |
| NIM |
4.0%
+11.7% YoY+2.1% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
108.7%
+8.0% YoY+2.4% QoQ
|
+27.3% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
Top 6.6% in tier |
| Delinquency Rate |
2.5%
+74.6% YoY+8.3% QoQ
|
+1.0 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
Top 14.8% in tier |
| Loan To Share |
45.9%
-0.1% YoY-3.1% QoQ
|
-15.3% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$9,441
-2.7% YoY-3.3% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
16.5%
+15.2% YoY+15.5% QoQ
|
-7.9% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.4%
-70.7% YoY-16.4% QoQ
|
-13.5% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)