BlastPoint's Credit Union Scorecard

LAND OF LINCOLN

Charter #63716 · IL

Community 500M-750M

165 CUs in 500M-750M nationally 7 in IL

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LAND OF LINCOLN has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

IL Analysis

How does IL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 45.9% in tier
+ Organic Growth Leader: Top 89.9% in tier
+ Organic Growth Engine: Top 93.1% in tier
+ Net Interest Margin 0.45% above tier average
+ Loan Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 27.8% in tier
- ROA 0.06% below tier average
- Efficiency ratio 5.03% above tier (higher cost structure)
- Delinquency rate 0.35% above tier average
- Total Assets: Bottom 2.4% in tier
- Total Deposits: Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	35,316 +0.8% YoY-0.6% QoQ	-3.3K	38,575 -4.8% YoY	21,665 +5.6% YoY	33,374 +5.7% YoY	40%
Assets	$503.2M +7.2% YoY+5.8% QoQ	$-118.6M	$621.7M +0.1% YoY	$394.9M +10.3% YoY	$561.6M +9.7% YoY	Bottom 1.8% in tier
Loans	$360.5M +15.1% YoY+4.3% QoQ	$-69.3M	$429.8M -1.8% YoY	$275.6M +9.5% YoY	$397.0M +8.8% YoY	20%
Deposits	$447.9M +4.5% YoY+4.4% QoQ	$-90.8M	$538.7M +0.6% YoY	$330.4M +9.6% YoY	$477.3M +9.7% YoY	Bottom 9.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -9.2% YoY+7.1% QoQ	-0.1%	0.7% +42.9% YoY	0.6% -12.3% YoY	0.7% +15.9% YoY	48%
NIM	3.9% +8.4% YoY-1.4% QoQ	+0.5%	3.4% +8.0% YoY	3.6% +3.6% YoY	3.8% +5.1% YoY	81%
Efficiency Ratio	82.5% +5.1% YoY-1.8% QoQ	+5.0%	77.5% -4.1% YoY	89.8% +8.5% YoY	79.7% -3.3% YoY	74%
Delinquency Rate	1.2% -15.9% YoY+26.7% QoQ	+0.4	0.8% -1.1% YoY	1.1% -24.1% YoY	1.3% -2.1% YoY	79%
Loan To Share	80.5% +10.1% YoY-0.1% QoQ	+0.6%	79.8% -2.3% YoY	62.0% -1.0% YoY	67.4% -1.7% YoY	48%
AMR	$22,890 +8.1% YoY+4.9% QoQ	$-4K	$26,849 +2.7% YoY	$15,477 +4.9% YoY	$19,687 +2.0% YoY	32%
CD Concentration	29.2% +11.4% YoY+4.0% QoQ	+4.7%	24.4%	14.1%	19.8%	68%
Indirect Auto %	12.7% -8.3% YoY-4.1% QoQ	-1.1%	13.8%	7.1%	7.8%	58%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#236 of 513 • Top 45.9% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.09%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Organic Growth Leader

growth

#383 of 426 • Top 89.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.84%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 12.70%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#554 of 595 • Top 93.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.84%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.60%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 12.70%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#150 of 538 • Bottom 27.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.54%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.06% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.84%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (5 metrics)

Loan Growth Rate

growth

Value: 15.10%

Peer Median: -

#12 of 165 Top 6.7% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.09%

Peer Median: -

#26 of 165 Top 15.2% in 500M-750M tier

Fee Income Per Member

profitability

Value: $273.72

Peer Median: -

#29 of 165 Top 17.0% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.90%

Peer Median: -

#31 of 165 Top 18.2% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.58%

Peer Median: -

#33 of 165 Top 19.4% in 500M-750M tier

Top Weaknesses (5 metrics)

162

Total Assets

balance_sheet

Value: $503.16M

Peer Median: -

#162 of 165 Bottom 2.4% in 500M-750M tier

150

Total Deposits

balance_sheet

Value: $447.88M

Peer Median: -

#150 of 165 Bottom 9.7% in 500M-750M tier

148

Members Per Employee (MPE)

engagement

Value: 237.020

Peer Median: -

#148 of 165 Bottom 10.9% in 500M-750M tier

132

Total Delinquency Rate (60+ days)

risk

Value: 1.19%

Peer Median: -

#132 of 165 Bottom 20.6% in 500M-750M tier

132

Total Loans

balance_sheet

Value: $360.48M

Peer Median: -

#132 of 165 Bottom 20.6% in 500M-750M tier