BlastPoint's Credit Union Scorecard
LINCOLN S.D.A.
Charter #65561 · NE
LINCOLN S.D.A. has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 2.54% below tier average
- - Efficiency ratio 63.05% above tier (higher cost structure)
- - Delinquency rate 0.50% above tier average
- - Member decline: -3.5% YoY
- - Share Certificate Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,156
-3.5% YoY+0.6% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$10.1M
-4.3% YoY-0.2% QoQ
|
$-20.0M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$4.9M
-5.0% YoY+0.4% QoQ
|
$-10.9M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$8.9M
-3.0% YoY-0.1% QoQ
|
$-16.7M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
34% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.9%
-32.4% YoY-29.7% QoQ
|
-2.5% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
Bottom 3.2% in tier |
| NIM |
3.0%
+52.0% YoY+4.3% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
145.6%
-33.9% YoY-14.0% QoQ
|
+63.1% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
Top 2.0% in tier |
| Delinquency Rate |
2.1%
+1414.2% YoY+65.2% QoQ
|
+0.5 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
79% |
| Loan To Share |
54.7%
-2.1% YoY+0.5% QoQ
|
-5.9% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$11,975
-0.2% YoY-0.5% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
39.1%
+2.1% YoY-0.2% QoQ
|
+14.7% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 7.8% | 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)