State credit union · LINCOLN, Nebraska · NCUA charter #65561
Lincoln S.D.a.
Health score 56/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 56
- Health / 100
- $10.1M
- Total assets
- 1,156
- Members
- 10.7%
- Net-worth ratio
Lincoln S.D.a. scores 56/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.1M; members 1,156; net-worth ratio 10.68%; health rank #4,165 of 4,374; healthier than 5th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,165 of 4,374 health · 2025Q4Lincoln S.D.a. · health 56/100 · $10.1M · 2025Q4
- NW 56/100
- DELQ 10.7%
- ROA 2.05%
- ASSETS -2.97%
- MEM $10.1M
- RANK 1,156
- PHOTO #4,165/4,374
- BOOK North Western Employees
- CHARTER 65561
Call Report peers
Lincoln S.D.a. in the assets neighbourhood
Lincoln S.D.a.'s $10.1M assets sit next to North Western Employees ($10.1M) 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 S.D.a. 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
56 5th percentile higher than 5% 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 S.D.a. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #65561: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Lincoln S.D.a. vs $10M–$50M peers
- Largest lag: Loan-to-Share Ratio at 54.72% vs peer 59.80% (-5.08 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Lincoln S.D.a.: in-state Call Report ranks
- Health composite ranks #47 of 50 among scored Nebraska credit unions.
- By total assets, Lincoln S.D.a. is #39 of 50 in Nebraska.
- Nebraska membership ordinal: #40 of 50.
In-state ordinals use the live credit_unions table for NE only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Lincoln S.D.a.
Lincoln S.D.a.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $10.1M (2025Q4) to $10.1M (2026Q1).
- Net-worth ratio shifted -0.15 pp (10.83% → 10.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 56/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 56.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.2 pts
- Return on Assets 0.0 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 11.1 pts
Lincoln S.D.a. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.68% | -4.18 pp |
| Delinquency Rate | 2.05% | +0.91 pp |
| Return on Assets | -2.97% | -3.67 pp |
| Member Growth | -3.51% | - |
| Loan-to-Share Ratio | 54.72% | -5.08 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.1M | - |
| 2025Q4 | $10.1M | 1,156 |
| 2024Q4 | $10.5M | 1,198 |
| 2023Q4 | $10.1M | 1,207 |
Credit Union Details
- Charter Number
- 65561
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Nebraska
- City
- LINCOLN
- Data Quarter
- 2025Q4
Branch Location
Lincoln S.D.a. operates a single office in Lincoln, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Lincoln SDA Credit Union (Main Office) | Lincoln, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
A look at other Nebraska credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Lincoln S.D.a.
Cross-state asset and health neighbours for Lincoln S.D.a. - kept outside Nebraska; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (56/100 here).
Using this data
- Lincoln S.D.a. ranks #4,165 of 4,374 nationally on financial health and #47 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Central Nebraska is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Central Nebraska
- Rates and health both vary by institution, not just by state -- see how Nebraska credit unions compare overall before assuming this one is typical. Nebraska 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 S.D.a. financially healthy?
A 10.68% net worth ratio and a 2.05% delinquency rate feed into Lincoln S.D.a.'s financial health score of 56/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,165 of 4,374; by total assets it ranks #3,561 of 4,374 nationally (same basis as /rankings/largest); and #39 of 50 within Nebraska. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Lincoln S.D.a. compare to other credit unions?
On PlainCU's health composite, Lincoln S.D.a. lands at 56/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 S.D.a.?
Membership eligibility for Lincoln S.D.a. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lincoln S.D.a. directly for current membership requirements and application steps.
Is my money safe at Lincoln S.D.a.?
Federal credit unions like Lincoln S.D.a. 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 S.D.a.'s net worth ratio of 10.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lincoln S.D.a. offer compared to banks?
Credit unions like Lincoln S.D.a. 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 S.D.a. 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.