LINCOLN PARK COMMUNITY
Charter #61701 · Lincoln Park, MI · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 18.15% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.65% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 0.24% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 41st — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LINCOLN PARK COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $62.15M | 30th pct | 51th pct |
| Members | 3,052 | 10th pct | 41th pct |
| Net worth ratio | 18.15% | 85th pct | 84th pct |
| Return on average assets | 0.61% | 44th pct | 46th pct |
| Net interest margin | 2.65% | 7th pct | 20th pct |
| Cost of funds | 0.24% | 12th pct | 16th pct |
| Loan-to-share | 14.48% | 1th pct | 3th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 44th pct |
| Net charge-off ratio | -0.01% | 10th pct | 18th pct |
| Loan growth YoY | -13.00% | 1th pct | 7th pct |
| Share growth YoY | 2.38% | 44th pct | 64th pct |
| Efficiency ratio | 80.49% | 52th pct | 52th pct |
structural peer set hash: 7b32b3fdade2ad73acb121df2a6e0208… (reproducible)
Closest structural peers
This is the free public view
Claim LINCOLN PARK COMMUNITY
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.