BlastPoint's Credit Union Scorecard
LINCOLN PARK COMMUNITY
Charter #61701 · MI
LINCOLN PARK COMMUNITY has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - AMR Growth Rate: Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 5.7% in tier
- - Indirect Auto Concentration (%): Bottom 8.0% in tier
- - First Mortgage Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,068
+4.8% YoY-1.2% QoQ
|
+442 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$60.9M
-4.5% YoY-1.0% QoQ
|
+$31.1M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$9.1M
-20.5% YoY-6.8% QoQ
|
$-6.7M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
48% |
| Deposits |
$53.2M
-7.1% YoY-3.2% QoQ
|
+$27.7M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
0.9%
+2.8% YoY-5.9% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
2.8%
+8.3% YoY+2.7% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio |
74.3%
+0.7% YoY+3.2% QoQ
|
-7.1% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
1.0%
+47.0% YoY+9.6% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
17.0%
-14.4% YoY-3.7% QoQ
|
-44.2% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.4% in tier |
| AMR |
$20,296
-13.4% YoY-2.6% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.1%
-18.7% YoY-5.6% QoQ
|
-0.8% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)