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
Call Report peers
Lincoln County in the assets neighbourhood
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
Lincoln County sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
Montana standing for Lincoln County
- Montana health ordinal: #18 of 41.
- Montana assets place: #13 of 41.
- Montana membership ordinal: #16 of 41.
- One place up in Montana, Butte Community (#17) scores 89/100, 1 point higher; one place down, Community 1st (#19) ties at 88/100.
Lincoln County: 2025Q4 → 2026Q1
Lincoln County: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $177.7M (2025Q4) to $182.4M (2026Q1).
- Net-worth ratio shifted -0.05 pp (21.59% → 21.54%).
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
Lincoln County gives up 12 points in total. Member Growth costs the most, 6.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Lincoln County financially healthy?
Lincoln County has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,379 of 4,374 nationally on health and #18 of 41 in Montana. Its net worth ratio is 21.54% and its delinquency rate 0.59%.
How does Lincoln County compare to other credit unions?
Lincoln County scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (21.54% vs 12.11%). Its widest shortfall is loan-to-share ratio (47.64% vs 72.20%).
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?
Lincoln County 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. Lincoln County's net worth ratio of 21.54% 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.