# LINCOLN PARK COMMUNITY
Lincoln Park, MI · NCUA charter 61701 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lincoln-park-community-61701

Who the members are: state charter, organized 1936. 3,052 members of 40,000 potential (7.6% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $62.2M |
| Members | 3,052 (5.6% YoY) |
| Full-time staff | 8 |
| Net worth | $11.3M |
| Net worth ratio | 18.1% (p85 of band) |
| ROA (annualized) | 0.60% (p44 of band) |
| Total delinquency | 0.77% (p59 of band) |
| Net charge-offs (annualized) | -0.01% (p10 of band) |
| Loans / shares | 14% (p1 of band) |
| Cash / assets | 5.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.63% (p7 of band) |
| Operating expense / assets | 2.55% (p16 of band) |
| Vehicles % of loans | 22% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 15% (p67 of band) |
| Vehicle delinquency | 1.18% (p75 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 0% |
| Average share balance | $10,125 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.3M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $8,006 |
| Loans granted, annualized | $210,204 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.3M outstanding purchased (29.5% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -8.7% year over year.

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 4 | net worth falling, members leaving |  |
| 2017-09 | 2 |  | delinquency rising, members leaving |
| 2017-12 | 1 |  | net worth falling |
| 2018-03 | 1 | members leaving | losing money |
| 2018-06 | 0 |  | members leaving |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 2 | net worth falling, members leaving |  |
| 2019-09 | 2 | delinquency rising | net worth falling |
| 2019-12 | 2 | loan book shrinking | delinquency rising |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 3 | net worth falling | loan book shrinking |
| 2020-09 | 1 |  | delinquency rising, net worth falling |
| 2020-12 | 3 | margin squeeze, delinquency rising |  |
| 2021-03 | 3 | net worth falling, losing money | members leaving, delinquency rising |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 1 | members leaving | net worth falling, losing money |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | loan book shrinking |  |
| 2022-06 | 4 | delinquency rising, assets shrinking |  |
| 2022-09 | 3 |  | loan book shrinking |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | delinquency rising |  |
| 2023-09 | 3 | loan book shrinking | delinquency rising |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | loan book shrinking |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | assets shrinking, loan book shrinking | members leaving |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-03-09 [Man charged with robbing Lincoln Park Community Credit Union - thenewsherald.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxPUzVwYVdoNGdkaF9Ja0xHRnVDTlE5dE5LbEc1WWt6a19yQmUxSGJvSHppWWVVMXZvTExvcTd1dERlbmVCODcwQUlPaVNUek1ab2wxTlNmQmNINVJRTFRwMmZTa3E4R3FQbld3SkstVXBSR1NINjhQQS03dDJRZUV5SVNldE1iajc2ZGI1MVFuMEgxSWNnVjk3MTJIXy1kaWI4cmZFbw?oc=5) · thenewsherald.com
- 2025-08-25 [Lincoln Park to celebrate 100 years with formal event - thenewsherald.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxOVkxLYlJiU1FucUJodXd1UU1QTlpWN3h6SktaVUR5QzFuc0lpUkZpV1BLUmM0by1nTW5DdmJwRWlORk42OW1xanB0Yko2MVFVQ2luMFpuNFNtV2RKRndLTjVVNzdldG5nTDZZQ2I1Y2pIMmh6UzdJRThDbk1KNHNwZW5QWFF6X2JVRXVieW01SW1QNVF0RFM1Y0dRTFFwNDBoR0Mw?oc=5) · thenewsherald.com
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2022-07-29 [Farmer’s market to feature food safety demo, free kitchen thermometers - thenewsherald.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPcFczczFoNnc5aE5VdTBsYl9jWG5kdEh1ZHIxcXZuSjN2TUhTTXJsNGR6UkY3Q1VyUTNIeUV6Uk11ajd6dE05X1lWcTZTb09QRkMyVVR2TXBNTHVqZHFyWElvWGtnSEY1VDV4cy1HRW1RbHVUV0tQZ0tpajdDRUl1NU13LTZzNVl0V25BVmtrdzZBcmxGV1lrR3VOTVNLZGx4UzFXb3g3Z1o4YWF4RGdF?oc=5) · thenewsherald.com
- 2022-09-13 [Fall Harvest Festival in Lincoln Park to offer free cider, doughnuts and corn roast - thenewsherald.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQVnZXcnJ5ZHZJcG0wNThVSndDMV9hQWh6Qko2TXVjcUxsR2ZlUWdDcXh6M05HR3lMdFBoRnhxWGxQZDVVSVBTbXQ3aFdrVDl5bE1JTnhESFNoWWRPRENqOWZKRHlzWk5tMTdXREJrY1pyaDV3cUNQWDVUaEFpVGVLdzlwRUxpOVFPOURsTVhXR1FQckhYM2habldUSEp1SFFBcUFjTXRHdzNXcGprOHlSRFRTRmw0cWNFTGJHVnVqS3RJQQ?oc=5) · thenewsherald.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61701 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/5.json (key "61701", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=61701
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide