Credit Union Safety Analysis
Is Land of Lincoln Credit Union Safe? Decatur, Illinois
Based on its Q2 2026 NCUA 5300 call report, Land of Lincoln Credit Union has a net worth ratio of 9.81%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.91%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Land of Lincoln Credit Union's net worth ratio is 9.81%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.81%
- Delinquency ratio (60+ days) (Q2 2026): 0.91%
- Return on assets (Q2 2026): 0.22%
- Loan-to-share ratio (Q2 2026): 82.18%
Land of Lincoln Credit Union (NCUA charter 63716, established 1947) reported $498.9M in assets and 35,747 members for Q2 2026 from Decatur, Illinois. It ranks 24 of 185 credit unions in Illinois by total assets. Total assets grew 4.4% from $477.7M on June 30, 2025. It has 313 more members than on June 30, 2025 (+0.9%). Its net worth ratio was unchanged from June 30, 2025. Commercial loans are its largest loan category, $119.8M of $364.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.91% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 9.40% for Q1 2026; 9.81% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.00% for Q1 2026; 0.89% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.23% for Q1 2026; 0.68% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 77.92% for Q1 2026; 78.57% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $119.8M
- Used vehicle loans: $102.3M
- 1- to 4-family residential and other consumer real estate loans: $94.2M
- New vehicle loans: $23.3M
- Other secured non-real estate loans and lines of credit: $18.1M
- Other unsecured loans and lines of credit: $6.9M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $498.9M | 9.81% | 0.91% | 0.22% | 82.18% |
| March 31, 2026 | $517.7M | 9.40% | 1.00% | 0.23% | 77.92% |
| December 31, 2025 | $503.2M | 9.61% | 1.19% | 0.74% | 80.49% |
| September 30, 2025 | $475.4M | 10.01% | 0.94% | 0.60% | 80.53% |
| June 30, 2025 | $477.7M | 9.81% | 0.89% | 0.68% | 78.57% |
| March 31, 2025 | $483.9M | 9.52% | 0.93% | 0.38% | 72.80% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Land of Lincoln Credit Union profile
Regulator records: NCUA credit union profile (charter 63716) · FFIEC NIC profile (RSSD 953393)
Frequently asked questions
Is Land of Lincoln Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Land of Lincoln Credit Union's net worth ratio is 9.81%, above the 7% NCUA threshold for well capitalized.
Is Land of Lincoln Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Land of Lincoln Credit Union is a federally insured credit union (NCUA charter 63716): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Land of Lincoln Credit Union's key safety ratios?
For Q2 2026, Land of Lincoln Credit Union reports net worth 9.81%, delinquency 0.91%, ROA 0.22%, loan-to-share 82.18%.
What happens to my money if Land of Lincoln Credit Union fails?
For Q2 2026, Land of Lincoln Credit Union held $443.7M in shares and deposits for 35,747 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.