BlastPoint's Credit Union Scorecard

LINCOLN PUBLIC SCHOOL EMPLOYEES

Charter #2643 · NE

<100M

2508 CUs in <100M nationally 34 in NE

LINCOLN PUBLIC SCHOOL EMPLOYEES has 4 strengths but faces 2 concerns

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.86% above tier average
+ Average Member Relationship (AMR): Top 8.3% in tier
+ Efficiency Ratio: Top 8.5% in tier
+ Total Deposits: Top 9.6% in tier

Key Concerns

Areas that may need attention

- Share Certificate Concentration (%): Bottom 2.8% in tier
- Net Interest Margin (NIM): Bottom 5.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	3,669 +1.1% YoY+0.1% QoQ	+992	2,676 +1.6% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	76%
Assets	$73.7M +4.1% YoY+2.9% QoQ	+$43.5M	$30.2M +1.3% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	Top 10.5% in tier
Loans	$27.6M -5.1% YoY-2.9% QoQ	+$12.4M	$15.3M -2.0% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	80%
Deposits	$64.6M +3.9% YoY+3.0% QoQ	+$38.8M	$25.8M +0.7% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	Top 9.6% in tier

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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	1.0% +83.4% YoY+45.1% QoQ	+0.9%	0.1% -77.6% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	69%
NIM	2.3% +21.7% YoY+9.1% QoQ	-1.7%	4.0% +4.0% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	Bottom 5.7% in tier
Efficiency Ratio	56.1% -22.1% YoY-16.0% QoQ	-34.5%	90.6% +6.5% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	Top 8.5% in tier
Delinquency Rate	1.5% +456.8% YoY+3.8% QoQ	+0.0	1.5% +3.8% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	74%
Loan To Share	42.8% -8.7% YoY-5.8% QoQ	-15.7%	58.5% -3.0% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	25%
AMR	$25,134 -0.1% YoY+1.0% QoQ	+$10K	$14,884 -1.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	Top 8.3% in tier
CD Concentration	52.8% +7.1% YoY+2.3% QoQ	+28.5%	24.3%	22.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (9 metrics)

209

Average Member Relationship (AMR)

engagement

Value: $25,134

Peer Median: $13,926

#209 of 2508 Top 8.3% in <100M tier

213

Efficiency Ratio

profitability

Value: 56.15%

Peer Median: 81.45%

#213 of 2508 Top 8.5% in <100M tier

242

Total Deposits

balance_sheet

Value: $64.57M

Peer Median: $18.77M

#242 of 2508 Top 9.6% in <100M tier

263

Total Assets

balance_sheet

Value: $73.71M

Peer Median: $21.86M

#263 of 2508 Top 10.4% in <100M tier

314

Members Per Employee (MPE)

engagement

Value: 524.143

Peer Median: 333.750

#314 of 2508 Top 12.5% in <100M tier

488

Total Loans

balance_sheet

Value: $27.65M

Peer Median: $9.48M

#488 of 2508 Top 19.4% in <100M tier

517

Loan-to-Member Ratio (LMR)

engagement

Value: $7,536

Peer Median: $4,923

#517 of 2508 Top 20.6% in <100M tier

573

Member Growth Rate

growth

Value: 1.07%

Peer Median: -1.37%

#573 of 2508 Top 22.8% in <100M tier

604

Total Members

engagement

Value: 3,669

Peer Median: 1,918

#604 of 2508 Top 24.0% in <100M tier

Top Weaknesses (3 metrics)

2438

Share Certificate Concentration (%)

balance_sheet

Value: 52.78%

Peer Median: 12.45%

#2438 of 2508 Bottom 2.8% in <100M tier

2364

Net Interest Margin (NIM)

profitability

Value: 2.31%

Peer Median: 3.83%

#2364 of 2508 Bottom 5.8% in <100M tier

2121

Indirect Auto Concentration (%)

balance_sheet

Value: 0.04%

Peer Median: 0.00%

#2121 of 2508 Bottom 15.5% in <100M tier