BlastPoint's Credit Union Scorecard
LINCOLN PARK COMMUNITY
Charter #61701 · MI
LINCOLN PARK COMMUNITY has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Strong member growth: 5.0% YoY
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - AMR Growth Rate: Bottom 3.2% in tier
- - Loan Growth Rate: Bottom 4.5% in tier
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
- - First Mortgage Concentration (%): Bottom 8.9% in tier
- - Deposit Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,054
+5.0% YoY-0.5% QoQ
|
+438 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$61.0M
-3.9% YoY+0.1% QoQ
|
+$30.8M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$8.5M
-22.4% YoY-6.6% QoQ
|
$-7.3M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$53.1M
-8.5% YoY-0.2% QoQ
|
+$27.4M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.8%
-5.0% YoY-8.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
2.8%
+7.4% YoY-0.8% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio |
76.4%
+3.2% YoY+2.8% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.6%
-21.1% YoY-38.0% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
15.9%
-15.2% YoY-6.4% QoQ
|
-44.7% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.9% in tier |
| AMR |
$20,154
-15.0% YoY-0.7% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
11.7%
-23.9% YoY-10.8% QoQ
|
-2.1% | 13.8% | 11.8% | 7.8% | 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)