LINCOLN COUNTY
Charter #63199 | MT
100M-500M
(1077 CUs)
Micro
($0-$500M)
13 100M-500M in MT
LINCOLN COUNTY has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 6.7% in tier
- + Relationship Depth Leader: Top 19.7% in tier
- + Wallet Share Momentum: Top 34.6% in tier
- + ROA 0.98% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.7% in tier
- + Net Worth Ratio: Top 2.1% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.2% in tier
- - Credit Quality Pressure: Bottom 7.8% in tier
- - First Mortgage Concentration (%): Bottom 3.2% in tier
- - Total Members: Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,692
+0.0% YoY+0.3% QoQ
|
-9.9K |
15,628
-3.4% YoY
|
10,775
+3.4% YoY
|
33,089
+6.1% YoY
|
Bottom 4.6% in tier |
| Assets |
$174.9M
+4.8% YoY+2.5% QoQ
|
$-56.4M |
$231.3M
-0.0% YoY
|
$192.0M
+6.5% YoY
|
$547.7M
+7.8% YoY
|
41st in tier |
| Loans |
$66.6M
-3.6% YoY-2.6% QoQ
|
$-81.2M |
$147.8M
-1.4% YoY
|
$128.7M
+5.8% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.2% in tier |
| Deposits |
$137.1M
+3.6% YoY+2.4% QoQ
|
$-63.2M |
$200.3M
-0.0% YoY
|
$165.1M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
34th in tier |
| ROA |
1.8%
+20.1% YoY+8.1% QoQ
|
+1.0% |
0.8%
+15.5% YoY
|
0.8%
-56.8% YoY
|
0.7%
+273.4% YoY
|
Top 5.9% in tier |
| NIM |
2.9%
+18.7% YoY-0.2% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.7%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 18.2% in tier |
| Efficiency Ratio |
44.2%
-12.6% YoY-3.2% QoQ
|
-33.1% |
77.3%
-3.0% YoY
|
75.4%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate |
0.6%
+255.7% YoY+276.5% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.0%
-7.2% YoY
|
1.2%
-0.9% YoY
|
42nd in tier |
| Loan To Share |
48.6%
-7.0% YoY-4.9% QoQ
|
-24.1% |
72.7%
-1.5% YoY
|
68.8%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.8% in tier |
| AMR |
$35,779
+1.1% YoY+0.4% QoQ
|
+$11K |
$24,363
+2.9% YoY
|
$21,496
+3.0% YoY
|
$19,418
+1.3% YoY
|
Top 8.1% in tier |
| CD Concentration |
19.5%
+32.0% YoY+15.0% QoQ
|
-4.9% |
24.4%
+4.2% YoY
|
17.7%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.1%
-1.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Emerging Performer
growth
#126 of 627 • Top 6.7% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.76%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
0.04%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#544 of 1006 • Top 19.7% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
1.14%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$4.4K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#953 of 1006 • Top 34.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
1.14%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Concerns (2)
Liquidity Overhang
risk
#19 of 552 • Bottom 1.2% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
21.46%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
48.57%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
Credit Quality Pressure
risk
#193 of 736 • Bottom 7.8% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.40% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
9
Efficiency Ratio
profitability
Value:
44.20%
Peer Avg: 77.28%
#9 of 1077
Top 0.7% in 100M-500M tier
24
Net Worth Ratio
risk
Value:
21.46%
Peer Avg: 12.15%
#24 of 1077
Top 2.1% in 100M-500M tier
64
Return on Assets (ROA)
profitability
Value:
1.76%
Peer Avg: 0.79%
#64 of 1077
Top 5.8% in 100M-500M tier
87
Average Member Relationship (AMR)
engagement
Value:
$35,779
Peer Avg: $24,363
#87 of 1077
Top 8.0% in 100M-500M tier
138
Members Per Employee (MPE)
engagement
Value:
437.846
Peer Avg: 332.881
#138 of 1077
Top 12.7% in 100M-500M tier
Top Weaknesses (6 metrics)
1043
First Mortgage Concentration (%)
balance_sheet
Value:
67.19%
Peer Avg: 30.43%
#1043 of 1077
Bottom 3.2% in 100M-500M tier
1027
Total Members
engagement
Value:
5,692
Peer Avg: 15,628
#1027 of 1077
Bottom 4.7% in 100M-500M tier
971
Loan-to-Share Ratio
balance_sheet
Value:
48.57%
Peer Avg: 72.70%
#971 of 1077
Bottom 9.9% in 100M-500M tier
935
Total Loans
balance_sheet
Value:
$66.58M
Peer Avg: $147.80M
#935 of 1077
Bottom 13.3% in 100M-500M tier
881
Net Interest Margin (NIM)
profitability
Value:
2.94%
Peer Avg: 3.58%
#881 of 1077
Bottom 18.3% in 100M-500M tier
881
Loan Growth Rate
growth
Value:
-3.57%
Peer Avg: 3.45%
#881 of 1077
Bottom 18.3% in 100M-500M tier