TellerScore

Headquartered in Decatur, Illinois, Land of Lincoln Credit Union is a federally insured state-chartered credit union with $498.9M in total assets and $443.7M in member shares and deposits as of Q2 2026. It operates 15 offices. Its charter dates back to 1947.

Land of Lincoln Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 1,341 credit unions with $100 million – $1 billion. Among 188 credit unions headquartered in Illinois, it ranks 165th. Problem-loan coverage contributes the most (84/100, 7.9%); earnings contributes the least (29/100, 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion48/100
Net worth ratio: 9.81%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.91%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity78/100
Loans ÷ shares: 82.2% · 6.8% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.90%

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 3 points (61 → 58), mostly because the earnings component weakened by 12 points.

TellerScore
576062Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202462
Q3 202460
Q4 202458
Q1 202560
Q2 202561
Q3 202561
Q4 202558
Q1 202657
Q2 202658
Net worth ratio
7.00%8.50%10.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.38%
Q3 20249.51%
Q4 20249.71%
Q1 20259.52%
Q2 20259.81%
Q3 202510.01%
Q4 20259.61%
Q1 20269.40%
Q2 20269.81%
Delinquent loans (60+ days)
0.77%1.09%1.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20241.03%
Q4 20241.42%
Q1 20250.93%
Q2 20250.89%
Q3 20250.94%
Q4 20251.19%
Q1 20261.00%
Q2 20260.91%
Return on assets
0.23%0.44%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.56%
Q3 20240.59%
Q4 20240.66%
Q1 20250.38%
Q2 20250.53%
Q3 20250.56%
Q4 20250.58%
Q1 20260.23%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$498.9M9.81%0.91%0.23%82.2%
Q1 202657$517.7M9.40%1.00%0.23%77.9%
Q4 202558$503.2M9.61%1.19%0.58%80.5%
Q3 202561$475.4M10.01%0.94%0.56%80.5%
Q2 202561$477.7M9.81%0.89%0.53%78.6%
Q1 202560$483.9M9.52%0.93%0.38%72.8%
Q4 202458$469.4M9.71%1.42%0.66%73.1%
Q3 202460$470.1M9.51%1.03%0.59%74.1%
Q2 202462$468.4M9.38%0.77%0.56%73.5%

1,341 peers · $100 million – $1 billion

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).

Capital ratio9.81%
25th
Problem loans0.91%
35th
Net charge-offs0.44%
42nd
Return on assets0.23%
13th
Loans to deposits82.2%
34th
Uninsured deposits6.8%
42nd
Loan-loss reserves0.00%
50th
Texas ratio7.9%
22nd

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Deposit insurance

Is my money safe at Land of Lincoln Credit Union?

Yes. Land of Lincoln Credit Union is a federally insured credit union (NCUA charter #63716). 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 6.8% of shares and deposits ($30.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

15 locations

Branches

Land of Lincoln Credit Union lists 15 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Land of Lincoln Credit Union reported 108 home-loan applications under HMDA (LEI 549300JY7AI2T0M8WT17): 94 originated ($14,320,000 total), 4 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Land of Lincoln Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63716
RSSD ID
953393
Primary regulator
State + NCUA
Established
1947
Headquarters
P O Box 3310, Decatur, IL 62524
Employees
138

Quick answers

Land of Lincoln Credit Union: common questions

Is Land of Lincoln Credit Union NCUA insured?

Yes. Land of Lincoln Credit Union is a federally insured credit union (NCUA charter #63716). 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 Land of Lincoln Credit Union's TellerScore?

58 out of 100 (Moderate), 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 Land of Lincoln Credit Union have?

15 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Decatur

InstitutionScoreAssetsCapitalProblem loansCompare
I.B.E.W. Local #146 Credit UnionCredit union Decatur, IL94 out of 100, Very strong$5.0M13.5%0.00%vs
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs
First National Bank in TaylorvilleBank Taylorville, IL92 out of 100, Very strong$200.1M14.4%0.00%vs
Midland Community BankBank Kincaid, IL88 out of 100, Very strong$68.8M12.1%0.00%vs
Scott State BankBank Bethany, IL86 out of 100, Very strong$203.5M13.7%0.24%vs
Decatur Policemen Credit UnionCredit union Decatur, IL85 out of 100, Very strong$5.3M15.0%0.44%vs