State credit union · DECATUR, Illinois · NCUA charter #63716
Land of Lincoln
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $503.2M
- Total assets
- 35,316
- Members
- 9.3%
- Net-worth ratio
Land of Lincoln - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63716, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Land of Lincoln - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)94
- Asset quality (delinquency)74
- Earnings (ROA)100
- Member growth67
- Liquidity (loan-to-share)100
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 9.29%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.29% | 30% |
| Delinquency Rate | 1.19% | 25% |
| Return on Assets | 0.61% | 15% |
| Member Growth | 0.84% | 15% |
| Loan-to-Share Ratio | 80.49% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Land of Lincoln
35,316 members and $503.2M in total assets sit behind Land of Lincoln, a state credit union in DECATUR, Illinois, which posts a health score of 87/100 (Excellent) on the five-factor composite, with $360.5M in outstanding loans as of Q4 2025 and a net worth ratio of 9.29% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63716 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 1.19% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 80.49% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.61% on net income of $3.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.84%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Land of Lincoln financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Land of Lincoln's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.29% net worth ratio and 1.19% delinquency rate are the key drivers.
How does Land of Lincoln compare to other credit unions?
87/100 is Land of Lincoln's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Land of 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. Land of Lincoln's net worth ratio of 9.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Land of Lincoln offer compared to banks?
Credit unions like Land of 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 Land of Lincoln directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.