Headquartered in Lincoln, Nebraska, First Lincoln Federal Credit Union is a federal credit union with $17.9M in total assets and $16.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1956.
First Lincoln Federal Credit Union has a TellerScore of 34 out of 100 (low) based on Q2 2026 data — higher than only 2% of its 2,479 credit unions with under $100 million in assets. Among 50 credit unions headquartered in Nebraska, it ranks 48th. Funding & liquidity contributes the most (100/100, 40% loans-to-deposits, 4% uninsured); earnings contributes the least (0/100, -2.25%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (45 → 34), mostly because the problem-loan coverage component weakened by 35 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 60 |
| Q4 2024 | 43 |
| Q1 2025 | 39 |
| Q2 2025 | 45 |
| Q3 2025 | 44 |
| Q4 2025 | 37 |
| Q1 2026 | 35 |
| Q2 2026 | 34 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.08% |
| Q3 2024 | 11.92% |
| Q4 2024 | 11.10% |
| Q1 2025 | 10.59% |
| Q2 2025 | 10.58% |
| Q3 2025 | 10.63% |
| Q4 2025 | 10.62% |
| Q1 2026 | 9.78% |
| Q2 2026 | 9.78% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 1.46% |
| Q4 2024 | 2.82% |
| Q1 2025 | 3.56% |
| Q2 2025 | 2.35% |
| Q3 2025 | 2.55% |
| Q4 2025 | 5.83% |
| Q1 2026 | 6.38% |
| Q2 2026 | 7.36% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.29% |
| Q3 2024 | -0.18% |
| Q4 2024 | -1.03% |
| Q1 2025 | -0.87% |
| Q2 2025 | -0.75% |
| Q3 2025 | -0.79% |
| Q4 2025 | -0.52% |
| Q1 2026 | -2.76% |
| Q2 2026 | -2.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 34 | $17.9M | 9.78% | 7.36% | -2.25% | 39.8% |
| Q1 2026 | 35 | $18.6M | 9.78% | 6.38% | -2.76% | 40.7% |
| Q4 2025 | 37 | $18.4M | 10.62% | 5.83% | -0.52% | 44.8% |
| Q3 2025 | 44 | $18.7M | 10.63% | 2.55% | -0.79% | 45.9% |
| Q2 2025 | 45 | $19.5M | 10.58% | 2.35% | -0.75% | 47.4% |
| Q1 2025 | 39 | $19.7M | 10.59% | 3.56% | -0.87% | 47.4% |
| Q4 2024 | 43 | $18.9M | 11.10% | 2.82% | -1.03% | 46.7% |
| Q3 2024 | 60 | $19.1M | 11.92% | 1.46% | -0.18% | 46.0% |
| Q2 2024 | 65 | $19.2M | 12.08% | 0.90% | -0.29% | 45.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Gallup Federal Credit UnionCredit union Omaha, NE | 84 out of 100, Strong | $16.4M | 18.1% | 0.05% | vs |
| Chadron Federal Credit UnionCredit union Chadron, NE | 69 out of 100, Moderate | $20.5M | 12.9% | 1.43% | vs |
| Union Pacific Streamliner Federal Credit UnionCredit union Omaha, NE | 54 out of 100, Below average | $20.6M | 9.3% | 0.55% | vs |
| Electrical Workers No 22 Federal Credit UnionCredit union Omaha, NE | 66 out of 100, Moderate | $14.4M | 7.4% | 0.24% | vs |
| Northeast Nebraska Federal Credit UnionCredit union Norfolk, NE | 60 out of 100, Moderate | $14.2M | 8.9% | 0.70% | vs |
| Central Nebraska Federal Credit UnionCredit union Grand Island, NE | 73 out of 100, Strong | $11.8M | 10.6% | 0.04% | vs |
Deposit insurance
Is my money safe at First Lincoln Federal Credit Union?
Yes. First Lincoln Federal Credit Union is a federally insured credit union (NCUA charter #10756). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.4% of shares and deposits ($706K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 9.78%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
First Lincoln Federal Credit Union lists 1 office in 1 city. Most locations:
- Lincoln, NE (1)
Identity & history
Profile
- Legal name
- First Lincoln Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10756
- RSSD ID
- 834586
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- PO Box 5872, Lincoln, NE 68505
- Employees
- 12
Quick answers
First Lincoln Federal Credit Union: common questions
Is First Lincoln Federal Credit Union NCUA insured?
Yes. First Lincoln Federal Credit Union is a federally insured credit union (NCUA charter #10756). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is First Lincoln Federal Credit Union's TellerScore?
34 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does First Lincoln Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lincoln
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CerescoBankBank Ceresco, NE | 92 out of 100, Very strong | $81.3M | 13.9% | 0.06% | vs |
| Countryside BankBank Unadilla, NE | 90 out of 100, Very strong | $118.5M | 15.2% | 0.35% | vs |
| Spirit of America Federal Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $53.2M | 12.9% | 0.01% | vs |
| Nebraska State Employees Credit UnionCredit union Lincoln, NE | 89 out of 100, Very strong | $36.8M | 14.0% | 0.11% | vs |
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Cattle Bank and TrustBank Seward, NE | 87 out of 100, Very strong | $421.9M | 12.9% | 0.08% | vs |