State credit union · LINCOLN, Nebraska · NCUA charter #65561
Lincoln S.d.a.
Health score 41/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 41
- Health / 100
- $10.1M
- Total assets
- 1,156
- Members
- 5.8%
- Net-worth ratio
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. - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)48
- Asset quality (delinquency)49
- Earnings (ROA)0
- Member growth18
- Liquidity (loan-to-share)77
Weighted composite: 41/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.78%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.78% | 30% |
| Delinquency Rate | 2.05% | 25% |
| Return on Assets | -2.97% | 15% |
| Member Growth | -3.51% | 15% |
| Loan-to-Share Ratio | 54.72% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Lincoln S.d.a.
Charter #65561, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Lincoln S.d.a., a state credit union in LINCOLN, Nebraska with 1,156 members, $10.1M in total assets, and $4.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 41/100 (Below Average), helped by a net worth ratio of 5.78% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 2.05% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. The loan-to-share ratio of 54.72% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at -2.97% on net income of $-299857 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 -3.51%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
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 Lincoln S.d.a. financially healthy?
A 5.78% net worth ratio and a 2.05% delinquency rate feed into Lincoln S.d.a.'s financial health score of 41/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. 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 41/100, 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 5.78% is relative to 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.
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.