BlastPoint's Credit Union Scorecard
LINCOLN PARK COMMUNITY
Charter #61701 · MI
LINCOLN PARK COMMUNITY faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Loan-to-Share Ratio: Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 4.8% in tier
- - First Mortgage Concentration (%): Bottom 7.9% in tier
- - Indirect Auto Concentration (%): Bottom 8.7% in tier
- - Net Interest Margin (NIM): Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits +1.5% year over year ($55.8M in shares and deposits).
- Membership: 3,044 members, -2.0% vs a year ago.
- Delinquency rate 0.27%.
- Return on assets 0.71%.
- Efficiency ratio 76.10% vs a 88.77% peer average.
- Loan-to-share ratio 13.40% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,044
-2.0% YoY-0.3% QoQ
|
+458 |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$63.4M
+2.9% YoY+2.0% QoQ
|
+$33.1M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$7.5M
-23.1% YoY-5.2% QoQ
|
$-8.0M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$55.8M
+1.5% YoY+2.4% QoQ
|
+$30.0M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
Top 15.0% in tier |
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| ROA |
0.7%
-23.5% YoY+18.0% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
2.7%
-1.6% YoY+1.2% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
76.1%
+5.7% YoY-5.4% QoQ
|
-12.7% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
0.3%
-70.9% YoY-65.6% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
13.4%
-24.3% YoY-7.5% QoQ
|
-45.5% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.5% in tier |
| AMR |
$20,784
-0.2% YoY+1.7% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
80% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
9.7%
-29.9% YoY-10.0% QoQ
|
-3.9% | 13.6% | 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)