PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lincoln Park Community

Lincoln Park, MI · Charter 61701

NCUA · 1 branch

Q2 2026

$63.4MAssets
$7.5MLoans
$55.8MShares
$11.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.70%, down 26 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.27% of loans (-65 bps YoY).
  • Capital: net worth / assets of 18.00%, up 14 bps from a year ago.
  • Funding: loans stand at 13.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.70%-26 bps YoY

Net Interest Margin (YTD, annualized)

2.63%-17 bps YoY

Efficiency Ratio (YTD, annualized)

76.10%+409 bps YoY

Net Worth / Assets

18.00%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%0.88%0.79%0.60%0.70%-26 bps
Return on Equity5.39%4.82%4.33%3.31%3.90%-149 bps
Net Interest Margin2.80%2.79%2.75%2.63%2.63%-17 bps
Efficiency Ratio72.01%74.34%76.44%80.49%76.10%+409 bps
Growth
Asset Growth (YoY)-3.22%-4.46%-3.95%-6.09%2.94%+616 bps
Loan Growth (YoY)-20.16%-20.50%-22.40%-23.51%-23.14%-298 bps
Share Growth (YoY)-6.32%-7.08%-8.52%-8.67%1.50%+782 bps
Asset Quality
Delinquent Loans / Loans0.91%1.00%0.62%0.77%0.27%-65 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.86%18.21%18.34%18.15%18.00%+14 bps
Net Worth / Assets17.86%18.21%18.34%18.15%18.00%+14 bps
Liquidity & Funding
Loans / Shares17.69%17.04%15.94%14.48%13.40%-429 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps