Federal credit union · Lincoln, Nebraska · NCUA charter #10756
First Lincoln
Health score 40/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 40
- Health / 100
- $18.4M
- Total assets
- 2,460
- Members
- 9.8%
- Net-worth ratio
First Lincoln scores 40/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.4M; members 2,460; net-worth ratio 9.78%; health rank #4,340 of 4,374; healthier than 1st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,340 of 4,374 health · 2025Q4First Lincoln · health 40/100 · $18.4M · 2025Q4
- MEM 40/100
- RANK 9.8%
- PHOTO 5.83%
- BOOK -1.05%
- CHARTER $18.4M
- NCUSIF 2,460
- CAMELS #4,340/4,374
- HEALTH M.E. Employees
- NW 10756
Call Report peers
First Lincoln in the assets neighbourhood
First Lincoln's $18.4M assets sit next to M.E. Employees ($18.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Lincoln vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
40 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
First Lincoln - Share Insurance Coverage
Charter #10756's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where First Lincoln diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 44.80% here, 59.80% peer average (-15.00 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
First Lincoln: in-state Call Report ranks
- In Nebraska, health place is #50 of 50 on the same NCUA-ratio sort used nationally.
- By total assets, First Lincoln is #34 of 50 in Nebraska.
- Nebraska membership ordinal: #31 of 50.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for First Lincoln
First Lincoln: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $18.4M (2025Q4) to $18.6M (2026Q1).
- Net-worth ratio shifted -0.84 pp (10.62% → 9.78%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.78%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 40/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 40.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.6 pts
First Lincoln vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.78% | -5.08 pp |
| Delinquency Rate | 5.83% | +4.69 pp |
| Return on Assets | -1.05% | -1.76 pp |
| Member Growth | -4.98% | - |
| Loan-to-Share Ratio | 44.80% | -15.00 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
First Lincoln filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.6M | - |
| 2025Q4 | $18.4M | 2,460 |
| 2024Q4 | $18.9M | 2,589 |
| 2023Q4 | $19.1M | 2,530 |
Credit Union Details
- Charter Number
- 10756
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Nebraska
- City
- Lincoln
- Data Quarter
- 2025Q4
Branch Location
First Lincoln operates a single office in Lincoln, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Lincoln, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
More federally-insured credit unions based in Nebraska, ordered by peer group match and asset size.
First Lincoln nationwide neighbourhoods
First Lincoln's nationwide photo peers by assets and by health score, excluding Nebraska charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (40/100 here).
Using this data
- First Lincoln ranks #4,340 of 4,374 nationally on financial health and #50 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Union Pacific Streamliner is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Union Pacific Streamliner
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is First Lincoln financially healthy?
Yes/no aside, the number is 40/100 (Below Average) - First Lincoln's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,340 of 4,374; by total assets it ranks #3,197 of 4,374 nationally (same basis as /rankings/largest); and #34 of 50 within Nebraska. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.78% net worth ratio and 5.83% delinquency rate are the key drivers.
How does First Lincoln compare to other credit unions?
On PlainCU's health composite, First Lincoln lands at 40/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join First Lincoln?
First Lincoln operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact First Lincoln directly for the exact boundaries and application steps.
Is my money safe at First Lincoln?
Federal credit unions like First Lincoln are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. First Lincoln's net worth ratio of 9.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Lincoln offer compared to banks?
Credit unions like First Lincoln are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact First Lincoln directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.