LINCOLN PARK COMMUNITY
Charter #61701 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in 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
|
68th in tier |
| 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
|
Top 16.6% in tier |
| 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
|
48th in tier |
| 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
|
Top 16.1% in tier |
| 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
|
55th in tier |
| 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
|
40th in tier |
| 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
|
61st in tier |
| 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
|
Top 19.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
13.1%
-18.7% YoY-5.6% QoQ
|
-0.8% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (6 metrics)
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
183
Member Growth Rate
growth
Value:
4.78%
Peer Avg: 14.92%
#183 of 2596
Top 7.0% in <100M tier
418
Total Deposits
balance_sheet
Value:
$53.20M
Peer Avg: $25.45M
#418 of 2596
Top 16.1% in <100M tier
430
Total Assets
balance_sheet
Value:
$60.95M
Peer Avg: $29.86M
#430 of 2596
Top 16.5% in <100M tier
502
Average Member Relationship (AMR)
engagement
Value:
$20,296
Peer Avg: $14,627
#502 of 2596
Top 19.3% in <100M tier
572
Fee Income Per Member
profitability
Value:
$124.94
Peer Avg: $182.96
#572 of 2596
Top 22.0% in <100M tier
Top Weaknesses (9 metrics)
2504
Loan-to-Share Ratio
balance_sheet
Value:
17.04%
Peer Avg: 61.23%
#2504 of 2596
Bottom 3.6% in <100M tier
2474
AMR Growth Rate
growth
Value:
-13.45%
Peer Avg: 4.67%
#2474 of 2596
Bottom 4.7% in <100M tier
2448
Loan Growth Rate
growth
Value:
-20.50%
Peer Avg: 59.01%
#2448 of 2596
Bottom 5.7% in <100M tier
2389
Indirect Auto Concentration (%)
balance_sheet
Value:
13.13%
Peer Avg: 2.84%
#2389 of 2596
Bottom 8.0% in <100M tier
2359
First Mortgage Concentration (%)
balance_sheet
Value:
46.49%
Peer Avg: 14.49%
#2359 of 2596
Bottom 9.2% in <100M tier
2289
Deposit Growth Rate
growth
Value:
-7.08%
Peer Avg: 16.80%
#2289 of 2596
Bottom 11.9% in <100M tier
2270
Net Interest Margin (NIM)
profitability
Value:
2.78%
Peer Avg: 3.93%
#2270 of 2596
Bottom 12.6% in <100M tier
2185
Asset Growth Rate
growth
Value:
-4.46%
Peer Avg: 1.82%
#2185 of 2596
Bottom 15.9% in <100M tier
1998
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,955
Peer Avg: $5,488
#1998 of 2596
Bottom 23.1% in <100M tier