BlastPoint's Credit Union Scorecard

LINCOLN S.D.A.

Charter #65561 · NE

<100M

2508 CUs in <100M nationally 34 in NE

LINCOLN S.D.A. faces 4 concerns requiring attention

National Analysis

How does the industry compare?

NE Analysis

How does NE stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.88% below tier average
- Efficiency ratio 25.30% above tier (higher cost structure)
- Member decline: -4.3% YoY
- Share Certificate Concentration (%): Bottom 8.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Members	1,146 -4.3% YoY-0.9% QoQ	-1.5K	2,676 +1.6% YoY	11,118 +0.3% YoY	33,913 +5.7% YoY	32%
Assets	$10.1M -5.0% YoY-0.3% QoQ	$-20.1M	$30.2M +1.3% YoY	$139.9M +5.0% YoY	$578.3M +9.0% YoY	32%
Loans	$4.9M -1.8% YoY-0.2% QoQ	$-10.4M	$15.3M -2.0% YoY	$100.8M +9.2% YoY	$402.4M +8.7% YoY	34%
Deposits	$8.9M -3.2% YoY-0.1% QoQ	$-16.8M	$25.8M +0.7% YoY	$120.0M +4.5% YoY	$494.3M +9.1% YoY	33%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	-0.7% -76.4% YoY-61.6% QoQ	-0.9%	0.1% -77.6% YoY	0.5% +30.6% YoY	0.4% -39.2% YoY	Bottom 10.3% in tier
NIM	3.4% +41.8% YoY+12.6% QoQ	-0.6%	4.0% +4.0% YoY	4.1% +5.7% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	115.9% -29.7% YoY-20.4% QoQ	+25.3%	90.6% +6.5% YoY	81.5% -7.1% YoY	84.6% +2.8% YoY	Bottom 6.9% in tier
Delinquency Rate	0.5% -13.1% YoY-73.6% QoQ	-1.0	1.5% +3.8% YoY	1.1% +31.3% YoY	1.2% +3.4% YoY	45%
Loan To Share	54.7% +1.5% YoY-0.0% QoQ	-3.8%	58.5% -3.0% YoY	68.2% -0.4% YoY	65.6% -1.4% YoY	44%
AMR	$12,061 +1.7% YoY+0.7% QoQ	$-3K	$14,884 -1.7% YoY	$17,286 +1.1% YoY	$19,920 +1.6% YoY	39%
CD Concentration	38.2% +5.0% YoY-2.3% QoQ	+14.0%	24.3%	22.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.5%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Top Weaknesses (8 metrics)

2337

Efficiency Ratio

profitability

Value: 115.94%

Peer Median: 81.45%

#2337 of 2508 Bottom 6.9% in <100M tier

2289

Share Certificate Concentration (%)

balance_sheet

Value: 38.25%

Peer Median: 12.45%

#2289 of 2508 Bottom 8.8% in <100M tier

2250

Return on Assets (ROA)

profitability

Value: -0.74%

Peer Median: 0.61%

#2250 of 2508 Bottom 10.3% in <100M tier

2155

Asset Growth Rate

growth

Value: -4.96%

Peer Median: 1.30%

#2155 of 2508 Bottom 14.1% in <100M tier

2043

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.07%

#2043 of 2508 Bottom 18.6% in <100M tier

2007

First Mortgage Concentration (%)

balance_sheet

Value: 30.90%

Peer Median: 3.66%

#2007 of 2508 Bottom 20.0% in <100M tier

1990

Member Growth Rate

growth

Value: -4.34%

Peer Median: -1.37%

#1990 of 2508 Bottom 20.7% in <100M tier

1950

Net Worth Ratio

risk

Value: 10.68%

Peer Median: 14.28%

#1950 of 2508 Bottom 22.3% in <100M tier