Federal credit union · LINCOLN, Nebraska · NCUA charter #10585
LINCONE
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $176.5M
- Total assets
- 17,162
- Members
- 12.4%
- Net-worth ratio
LINCONE scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $176.5M; members 17,162; net-worth ratio 12.38%; health rank #2,979 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,979 of 4,374 health · 2025Q4LINCONE · health 78/100 · $176.5M · 2025Q4
Call Report peers
LINCONE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LINCONE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LINCONE sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for LINCONE
- Largest favorable gap: Return on Assets at 1.18% vs peer 0.62% (+0.56 pp).
- Largest lag: Loan-to-Share Ratio at 53.06% vs peer 72.20% (-19.14 pp).
Nebraska standing for LINCONE
- In Nebraska, health place is #33 of 50 on the same NCUA-ratio sort used nationally.
- Assets rank #9 of 50 inside Nebraska ($176.5M reported).
- Nebraska membership ordinal: #7 of 50.
- One place up in Nebraska, University of Nebraska (#32) scores 79/100, 1 point higher; one place down, Northeast Nebraska (#34) ties at 78/100.
LINCONE Call Report trajectory
LINCONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $176.5M (2025Q4) to $183.8M (2026Q1).
- Net-worth ratio shifted -0.49 pp (12.87% → 12.38%).
12.38% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
LINCONE gives up 22 points in total. Member Growth costs the most, 11.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.3 pts
- Return on Assets 15.0 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 11.3 pts
LINCONE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.38% | +0.27 pp |
| Delinquency Rate | 1.23% | +0.33 pp |
| Return on Assets | 1.18% | +0.56 pp |
| Member Growth | -3.14% | - |
| Loan-to-Share Ratio | 53.06% | -19.14 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $183.8M | - |
| 2025Q4 | $176.5M | 17,162 |
| 2024Q4 | $170.6M | 17,718 |
| 2023Q4 | $169.8M | 17,647 |
Credit Union Details
- Charter Number
- 10585
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Nebraska
- City
- LINCOLN
- Data Quarter
- 2025Q4
Branch Locations (3)
LINCONE operates 3 offices in Lincoln, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 4638 W St (Main Office) | Lincoln, NE |
| N Street Branch | Lincoln, NE |
| South 70th St. Branch | Lincoln, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
Other federally-insured credit unions in Nebraska, closest first by peer group and asset size.
Other-state peers near LINCONE
Using this data
- LINCONE ranks #2,979 of 4,374 nationally on financial health and #33 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Nebraska is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Nebraska
Frequently Asked Questions
Is LINCONE financially healthy?
On its 2025Q4 NCUA 5300 filing, LINCONE scores 78/100 (Very Good), with a 12.38% net worth ratio and 1.23% of loans delinquent. It ranks #2,979 of 4,374 nationally on health and #33 of 50 in Nebraska.
How does LINCONE compare to other credit unions?
LINCONE scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (1.18% vs 0.62%). Its widest shortfall is loan-to-share ratio (53.06% vs 72.20%).
How can I join LINCONE?
LINCONE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LINCONE directly for the exact boundaries and application steps.
Is my money safe at LINCONE?
LINCONE is a federal 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. LINCONE's net worth ratio of 12.38% 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.