BlastPoint's Credit Union Scorecard
LINCOLN S.D.A.
Charter #65561 · NE
LINCOLN S.D.A. has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 3.41% below tier average
- - Efficiency ratio 87.84% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Share Certificate Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,149
-4.3% YoY-0.3% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$10.1M
-4.0% YoY-1.7% QoQ
|
$-19.7M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$4.9M
-1.8% YoY+0.0% QoQ
|
$-10.9M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$9.0M
-2.2% YoY-1.3% QoQ
|
$-16.5M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
-2.7%
-6.6% YoY+19.0% QoQ
|
-3.4% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.3% in tier |
| NIM |
2.9%
+54.3% YoY+9.8% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
169.2%
-21.7% YoY+9.8% QoQ
|
+87.8% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
Top 2.0% in tier |
| Delinquency Rate |
1.2%
+494.9% YoY-11.7% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
67% |
| Loan To Share |
54.4%
+0.4% YoY+1.3% QoQ
|
-6.8% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$12,035
+2.3% YoY-0.5% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
40% |
| CD Concentration |
39.2%
+13.2% YoY+1.9% QoQ
|
+14.8% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)