State credit union · DECATUR, Illinois · NCUA charter #63716
Land of Lincoln
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $503.2M
- Total assets
- 35,316
- Members
- 9.4%
- Net-worth ratio
Land of Lincoln scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $503.2M; members 35,316; net-worth ratio 9.40%; health rank #1,709 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,709 of 4,374 health · 2025Q4Land of Lincoln · health 87/100 · $503.2M · 2025Q4
Call Report peers
Land of Lincoln in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Land of Lincoln vs every NCUA-scored credit union
Land of Lincoln sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Peer-gap read for Land of Lincoln
- Strongest edge vs 749 Over $500M peers is Return on Assets: +0.10 pp (0.61% vs 0.51%).
- Loan-to-Share Ratio trails the peer set - 80.49% here, 83.90% peer average (-3.41 pp).
Land of Lincoln: in-state Call Report ranks
- Health composite ranks #69 of 192 among scored Illinois credit unions.
- By total assets, Land of Lincoln is #24 of 192 in Illinois.
- Illinois membership ordinal: #24 of 192.
- One place up in Illinois, CORNERSTONE (#68) ties at 87/100; one place down, ALLIANT (#70) ties at 87/100.
How Land of Lincoln's 5300 filing moved
Land of Lincoln: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $503.2M (2025Q4) to $517.7M (2026Q1).
- Net-worth ratio shifted -0.21 pp (9.61% → 9.40%).
At 9.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Land of Lincoln gives up 13 points in total. Delinquency Rate costs the most, 6.4 of its 25; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 18.6 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 14.9 pts
Call Report ratios for Land of Lincoln
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.40% | -1.78 pp |
| Delinquency Rate | 1.19% | +0.32 pp |
| Return on Assets | 0.61% | +0.10 pp |
| Member Growth | 0.84% | - |
| Loan-to-Share Ratio | 80.49% | -3.41 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Land of Lincoln quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $517.7M | - |
| 2025Q4 | $503.2M | 35,316 |
| 2024Q4 | $469.4M | 35,023 |
| 2023Q4 | $450.8M | 38,263 |
Credit Union Details
- Charter Number
- 63716
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- DECATUR
- Data Quarter
- 2025Q4
Branch Locations (15)
The NCUA branch filing lists 15 physical offices for Land of Lincoln, spread across 10 cities.
| Office | City |
|---|---|
| Prosperity (Main Office) | Decatur, IL |
| Centralia | Centralia, IL |
| Colchester | COLCHESTER, IL |
| Mound | Decatur, IL |
| Oakland | Decatur, IL |
| Water | Decatur, IL |
| Effingham - South | Effingham, IL |
| Effingham - North | Effingham, IL |
| Mattoon | Mattoon, IL |
| Mattoon - Lakeland | Mattoon, IL |
| Nokomis | Nokomis, IL |
| Bloomington/Normal | Normal, IL |
| Pana | Pana, IL |
| Springfield | Springfield, IL |
| Vandalia | Vandalia, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Cross-state Call Report peers for Land of Lincoln
Similar total assets
Using this data
- Land of Lincoln ranks #1,709 of 4,374 nationally on financial health and #69 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HEARTLAND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HEARTLAND
Frequently Asked Questions
Is Land of Lincoln financially healthy?
On its 2025Q4 NCUA 5300 filing, Land of Lincoln scores 87/100 (Excellent), with a 9.40% net worth ratio and 1.19% of loans delinquent. It ranks #1,709 of 4,374 nationally on health and #69 of 192 in Illinois.
How does Land of Lincoln compare to other credit unions?
Land of Lincoln scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.61% vs 0.51%). Its widest shortfall is loan-to-share ratio (80.49% vs 83.90%).
How can I join Land of Lincoln?
Membership eligibility for Land of Lincoln depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Land of Lincoln directly for current membership requirements and application steps.
Is my money safe at Land of Lincoln?
Land of Lincoln is a state-chartered 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. Land of Lincoln's net worth ratio of 9.40% 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.