LINCOLN PUBLIC SCHOOL EMPLOYEES
Charter #2643 | NE
<100M
(2596 CUs)
Micro
($0-$500M)
34 <100M in NE
LINCOLN PUBLIC SCHOOL EMPLOYEES has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Strong member growth: 41.0% YoY
- + Member Growth Rate: Top 0.8% in tier
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 1.3% in tier
- - Share Certificate Concentration (%): Bottom 2.9% in tier
- - Net Interest Margin (NIM): Bottom 4.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,661
+41.0% YoY+0.5% QoQ
|
+1.0K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
Top 24.7% in tier |
| Assets |
$70.8M
+7.8% YoY-0.2% QoQ
|
+$41.0M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
Top 11.9% in tier |
| Loans |
$29.4M
+0.0% YoY-0.4% QoQ
|
+$13.6M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
Top 18.5% in tier |
| Deposits |
$62.0M
+8.3% YoY-0.4% QoQ
|
+$36.5M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
Top 11.1% in tier |
| ROA |
0.7%
+48.6% YoY+11.6% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
47th in tier |
| NIM |
2.1%
+8.2% YoY+5.1% QoQ
|
-1.9% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.0% in tier |
| Efficiency Ratio |
66.2%
-11.8% YoY-4.6% QoQ
|
-15.2% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 23.6% in tier |
| Delinquency Rate |
1.4%
+71.9% YoY+54.2% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
70th in tier |
| Loan To Share |
47.4%
-7.7% YoY+0.0% QoQ
|
-13.8% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
29th in tier |
| AMR |
$24,950
-25.1% YoY-1.0% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
Top 8.0% in tier |
| CD Concentration |
51.4%
+12.0% YoY+2.5% QoQ
|
+27.0% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
0.0%
-14.4% YoY-3.3% QoQ
|
-13.9% |
14.0%
-5.8% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (11 metrics)
22
Member Growth Rate
growth
Value:
40.97%
Peer Avg: 14.92%
#22 of 2596
Top 0.8% in <100M tier
207
Average Member Relationship (AMR)
engagement
Value:
$24,950
Peer Avg: $14,627
#207 of 2596
Top 7.9% in <100M tier
289
Total Deposits
balance_sheet
Value:
$61.96M
Peer Avg: $25.45M
#289 of 2596
Top 11.1% in <100M tier
309
Total Assets
balance_sheet
Value:
$70.82M
Peer Avg: $29.86M
#309 of 2596
Top 11.9% in <100M tier
320
Deposit Growth Rate
growth
Value:
8.34%
Peer Avg: 16.80%
#320 of 2596
Top 12.3% in <100M tier
337
Members Per Employee (MPE)
engagement
Value:
523.000
Peer Avg: 365.701
#337 of 2596
Top 12.9% in <100M tier
358
Asset Growth Rate
growth
Value:
7.79%
Peer Avg: 1.82%
#358 of 2596
Top 13.8% in <100M tier
464
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,027
Peer Avg: $5,488
#464 of 2596
Top 17.8% in <100M tier
479
Total Loans
balance_sheet
Value:
$29.39M
Peer Avg: $15.77M
#479 of 2596
Top 18.4% in <100M tier
613
Efficiency Ratio
profitability
Value:
66.18%
Peer Avg: 81.39%
#613 of 2596
Top 23.6% in <100M tier
Top Weaknesses (5 metrics)
2562
AMR Growth Rate
growth
Value:
-25.14%
Peer Avg: 4.67%
#2562 of 2596
Bottom 1.3% in <100M tier
2522
Share Certificate Concentration (%)
balance_sheet
Value:
51.39%
Peer Avg: 15.37%
#2522 of 2596
Bottom 2.9% in <100M tier
2493
Net Interest Margin (NIM)
profitability
Value:
2.08%
Peer Avg: 3.93%
#2493 of 2596
Bottom 4.0% in <100M tier
2181
Indirect Auto Concentration (%)
balance_sheet
Value:
0.04%
Peer Avg: 2.84%
#2181 of 2596
Bottom 16.0% in <100M tier
1987
First Mortgage Concentration (%)
balance_sheet
Value:
26.89%
Peer Avg: 14.49%
#1987 of 2596
Bottom 23.5% in <100M tier