BlastPoint's Credit Union Scorecard
LINCOLN PARK COMMUNITY
Charter #61701 · MI
LINCOLN PARK COMMUNITY has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Strong member growth: 5.6% YoY
- + Member Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 2.8% in tier
- - AMR Growth Rate: Bottom 3.1% in tier
- - Loan Growth Rate: Bottom 4.4% in tier
- - Indirect Auto Concentration (%): Bottom 8.1% in tier
- - First Mortgage Concentration (%): Bottom 8.2% in tier
- - Deposit Growth Rate: Bottom 8.3% in tier
- - Net Interest Margin (NIM): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,052
+5.6% YoY-0.1% QoQ
|
+375 |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
68% |
| Assets |
$62.2M
-6.1% YoY+1.9% QoQ
|
+$32.0M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$7.9M
-23.5% YoY-6.8% QoQ
|
$-7.4M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$54.5M
-8.7% YoY+2.6% QoQ
|
+$28.7M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
0.6%
-35.1% YoY-24.4% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
2.6%
-1.1% YoY-4.6% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio |
80.5%
+12.2% YoY+5.3% QoQ
|
-10.1% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
47% |
| Delinquency Rate |
0.8%
+26.0% YoY+24.6% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
14.5%
-16.3% YoY-9.2% QoQ
|
-44.0% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.7% in tier |
| AMR |
$20,431
-15.6% YoY+1.4% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
80% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
10.8%
-27.1% YoY-7.5% QoQ
|
-3.0% | 13.8% | 11.7% | 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)