Land Of Lincoln Credit Union
Total assets
$517.7M
▲ +7.0% YoY
Shares & deposits
$462.8M
▲ +4.9% YoY
Loans
$360.6M
▲ +12.3% YoY
Members
35,390
▼ -0.4% YoY
ROA (annualized)
0.23%
peers 0.62%
ROE (annualized)
2.47%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.8% | +2.2 pts |
| Share growth (YoY) | +4.9% | +4.3% | +0.6 pts |
| Loan growth (YoY) | +12.3% | +4.3% | +7.9 pts |
| ROA | 0.23% | 0.62% | -0.4 pts |
| ROE | 2.5% | 5.9% | -3.5 pts |
ROA ranks in the 18th percentile of its peer group · Q1 2026
Profile
- Established
- 1947
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P O Box 3310, Decatur, IL, 62524
- NCUA charter #
- 63716
- RSSD ID
- 953393
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $517.7M | $462.8M | $360.6M | $48.7M | $300K | 0.23% | 3.73% | 1.00% | 35,390 |
| Q4 2025 | $503.2M | $447.9M | $360.5M | $48.4M | $2.9M | 0.58% | 3.79% | 1.19% | 35,316 |
| Q3 2025 | $475.4M | $429.2M | $345.6M | $47.6M | $2.0M | 0.56% | 3.96% | 0.94% | 35,517 |
| Q2 2025 | $477.7M | $433.7M | $340.8M | $46.9M | $1.3M | 0.53% | 3.91% | 0.89% | 35,434 |
| Q1 2025 | $483.9M | $441.2M | $321.2M | $46.1M | $458K | 0.38% | 3.69% | 0.93% | 35,536 |
| Q4 2024 | $469.4M | $428.4M | $313.2M | $45.6M | $3.1M | 0.66% | 3.60% | 1.42% | 35,023 |
| Q3 2024 | $470.1M | $428.1M | $317.2M | $44.7M | $2.1M | 0.59% | 3.56% | 1.03% | 38,708 |
| Q2 2024 | $468.4M | $431.0M | $316.7M | $44.0M | $1.3M | 0.56% | 3.52% | 0.77% | 38,655 |
Loan mix (Q1 2026): real estate $91.2M · commercial $108.5M · consumer $143.1M · securities $94.2M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.62% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 5.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.48% | 72th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.8% | 78.3% | 84th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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