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
Call Report peers
First Lincoln in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); First Lincoln sits in 40-44 with 25 others.
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
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).
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.
- No scored Nebraska credit union ranks lower; the next one up, Mutual First (#49) scores 50/100, 10 points higher.
Quarter path for First Lincoln
First Lincoln: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $18.4M (2025Q4) to $18.6M (2026Q1).
- Net-worth ratio shifted -0.84 pp (10.62% → 9.78%).
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
First Lincoln gives up 60 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio loses the least, 0.6.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is First Lincoln financially healthy?
On its 2025Q4 NCUA 5300 filing, First Lincoln scores 40/100 (Below Average), with a 9.78% net worth ratio and 5.83% of loans delinquent. It ranks #4,340 of 4,374 nationally on health and #50 of 50 in Nebraska.
How does First Lincoln compare to other credit unions?
First Lincoln scores 40/100, higher than 1% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (44.80% vs 59.80%).
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?
First Lincoln is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.