BlastPoint's Credit Union Scorecard

LAND OF LINCOLN

Charter #63716 · IL

Community 500M-750M

167 CUs in 500M-750M nationally 8 in IL

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LAND OF LINCOLN has 2 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 13.8% in tier
+ Net Interest Margin 0.26% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.7% in tier
- Efficiency Drag: Bottom 19.9% in tier
- Credit Quality Pressure: Bottom 40.3% in tier
- ROA 0.46% below tier average
- Efficiency ratio 9.39% above tier (higher cost structure)
- Delinquency rate 0.29% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Members	35,390 -0.4% YoY+0.2% QoQ	-2.7K	38,079 -4.8% YoY	22,133 +6.8% YoY	33,913 +5.7% YoY	41%
Assets	$517.7M +7.0% YoY+2.9% QoQ	$-102.0M	$619.7M -0.2% YoY	$406.0M +9.7% YoY	$578.3M +9.0% YoY	Bottom 9.6% in tier
Loans	$360.6M +12.3% YoY+0.0% QoQ	$-58.7M	$419.3M -1.4% YoY	$279.6M +10.0% YoY	$402.4M +8.7% YoY	25%
Deposits	$462.8M +4.9% YoY+3.3% QoQ	$-76.7M	$539.5M -0.1% YoY	$344.9M +10.3% YoY	$494.3M +9.1% YoY	17%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -39.6% YoY-61.0% QoQ	-0.5%	0.7% +36.0% YoY	0.5% -57.9% YoY	0.4% -39.2% YoY	19%
NIM	3.7% -0.6% YoY-4.3% QoQ	+0.3%	3.5% +4.5% YoY	3.7% -0.2% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	87.8% +0.1% YoY+6.3% QoQ	+9.4%	78.4% -3.7% YoY	87.0% +8.4% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	1.0% +7.8% YoY-16.2% QoQ	+0.3	0.7% -0.9% YoY	1.2% +7.3% YoY	1.2% +3.4% YoY	78%
Loan To Share	77.9% +7.0% YoY-3.2% QoQ	+0.2%	77.7% -1.2% YoY	60.2% -0.9% YoY	65.6% -1.4% YoY	42%
AMR	$23,266 +8.4% YoY+1.6% QoQ	$-4K	$26,927 +3.1% YoY	$15,723 +4.6% YoY	$19,920 +1.6% YoY	34%
CD Concentration	29.3% +13.7% YoY+0.5% QoQ	+5.0%	24.3%	14.0%	19.8%	69%
Indirect Auto %	12.5% -5.9% YoY-1.3% QoQ	-1.3%	13.8%	7.2%	7.7%	58%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#184 of 491 • Top 13.8% in tier

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

Why This Signature

AMR Growth (YoY): 8.43%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (3)

Efficiency Drag

risk

#78 of 596 • Bottom 19.9% in tier

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

Why This Signature

Efficiency Ratio: 87.77%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.41%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Risk Growth

risk

#190 of 476 • Bottom 11.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.25%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#538 of 727 • Bottom 40.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (5 metrics)

AMR Growth Rate

growth

Value: 8.43%

Peer Median: 4.03%

#19 of 167 Top 10.8% in 500M-750M tier

Loan Growth Rate

growth

Value: 12.25%

Peer Median: 4.25%

#20 of 167 Top 11.4% in 500M-750M tier

Fee Income Per Member

profitability

Value: $263.74

Peer Median: $178.80

#28 of 167 Top 16.2% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.60%

Peer Median: 32.87%

#32 of 167 Top 18.6% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 3.73%

Peer Median: 3.48%

#41 of 167 Top 24.0% in 500M-750M tier

Top Weaknesses (6 metrics)

151

Total Assets

balance_sheet

Value: $517.67M

Peer Median: $619.16M

#151 of 167 Bottom 10.2% in 500M-750M tier

146

Members Per Employee (MPE)

engagement

Value: 244.069

Peer Median: 318.730

#146 of 167 Bottom 13.2% in 500M-750M tier

139

Total Deposits

balance_sheet

Value: $462.78M

Peer Median: $543.36M

#139 of 167 Bottom 17.4% in 500M-750M tier

138

Efficiency Ratio

profitability

Value: 87.77%

Peer Median: 78.61%

#138 of 167 Bottom 18.0% in 500M-750M tier

135

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: 0.61%

#135 of 167 Bottom 19.8% in 500M-750M tier

131

Total Delinquency Rate (60+ days)

risk

Value: 1.00%

Peer Median: 0.62%

#131 of 167 Bottom 22.2% in 500M-750M tier