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
- RANK 87/100
- PHOTO 9.4%
- BOOK 1.19%
- CHARTER 0.61%
- NCUSIF $503.2M
- CAMELS 35,316
- HEALTH #1,709/4,374
- NW The County
- DELQ 63716
Call Report peers
Land of Lincoln in the assets neighbourhood
Land of Lincoln's $503.2M assets sit next to The County ($501.8M) 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.
Land of 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
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
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.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Land of Lincoln's 5300 filing moved
Land of Lincoln: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.9% from $503.2M (2025Q4) to $517.7M (2026Q1).
- Net-worth ratio shifted -0.21 pp (9.61% → 9.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for Land of Lincoln, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($503.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,709 of 4,374; by total assets it ranks #746 of 4,374 nationally (same basis as /rankings/largest); and #24 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.40% 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 9.40% 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.
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.