State credit union · Libby, Montana · NCUA charter #63199
Lincoln County
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $177.7M
- Total assets
- 5,687
- Members
- 21.5%
- Net-worth ratio
Lincoln County scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $177.7M; members 5,687; net-worth ratio 21.54%; health rank #1,379 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,379 of 4,374 health · 2025Q4Lincoln County · health 88/100 · $177.7M · 2025Q4
- CAMELS 88/100
- HEALTH 21.5%
- NW 0.59%
- DELQ 1.47%
- ROA $177.7M
- ASSETS 5,687
- MEM #1,379/4,374
- RANK Compass Community
- PHOTO 63199
Call Report peers
Lincoln County in the assets neighbourhood
Lincoln County's $177.7M assets sit next to Compass Community ($177.8M) 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.
Lincoln County 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
88 Top 35% higher than 65% 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
Lincoln County - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63199, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Lincoln County diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 21.54% vs peer 12.11% (+9.43 pp).
- Loan-to-Share Ratio trails the peer set - 47.64% here, 72.20% peer average (-24.56 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Montana standing for Lincoln County
- Montana health ordinal: #18 of 41.
- Montana assets place: #13 of 41.
- Montana membership ordinal: #16 of 41.
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Lincoln County: 2025Q4 → 2026Q1
Lincoln County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.7% from $177.7M (2025Q4) to $182.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (21.59% → 21.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
21.54% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 10.0 pts
Lincoln County vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 21.54% | +9.43 pp |
| Delinquency Rate | 0.59% | -0.30 pp |
| Return on Assets | 1.47% | +0.84 pp |
| Member Growth | -0.04% | - |
| Loan-to-Share Ratio | 47.64% | -24.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Lincoln County quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $182.4M | - |
| 2025Q4 | $177.7M | 5,687 |
| 2024Q4 | $163.8M | 5,689 |
| 2023Q4 | $164.1M | 5,590 |
Credit Union Details
- Charter Number
- 63199
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Montana
- City
- Libby
- Data Quarter
- 2025Q4
Branch Locations (2)
Lincoln County operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LCCU Main Office (Main Office) | Libby, MT |
| STEINS MARKET | TROY, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
More federally-insured credit unions based in Montana, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Lincoln County - kept outside Montana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($177.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Lincoln County ranks #1,379 of 4,374 nationally on financial health and #18 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SKY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SKY
- Rates and health both vary by institution, not just by state -- see how Montana credit unions compare overall before assuming this one is typical. Montana 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 Lincoln County financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Lincoln County'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 #1,379 of 4,374; by total assets it ranks #1,365 of 4,374 nationally (same basis as /rankings/largest); and #13 of 41 within Montana. Above 80 reads excellent, below 50 warrants closer monitoring; a 21.54% net worth ratio and 0.59% delinquency rate are the key drivers.
How does Lincoln County compare to other credit unions?
Five weighted metrics from NCUA filings produce Lincoln County's 88/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Lincoln County?
Membership eligibility for Lincoln County depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lincoln County directly for current membership requirements and application steps.
Is my money safe at Lincoln County?
Federal credit unions like Lincoln County 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. Lincoln County's net worth ratio of 21.54% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lincoln County offer compared to banks?
Credit unions like Lincoln County 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 Lincoln County 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.