TellerScore

Headquartered in Libby, Montana, Lincoln County Credit Union is a federally insured state-chartered credit union with $186.6M in total assets and $146.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1957.

Based on its Q2 2026 filing, Lincoln County Credit Union scores 98/100, which we describe as very strong. That is higher than 100% of 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 1st. Its five components are fairly even, ranging from 93 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 21.61%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.22%
Earnings100/100
Return on assets (annualized): 2.11%
Funding & liquidity100/100
Loans ÷ shares: 42.1% · 5.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.34%

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 rose 2 points (96 → 98), mostly because the earnings component improved by 15 points.

TellerScore
919598Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202495
Q3 202494
Q4 202495
Q1 202591
Q2 202596
Q3 202593
Q4 202593
Q1 202698
Q2 202698
Net worth ratio
7.00%14.30%21.61%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202420.43%
Q3 202420.64%
Q4 202421.51%
Q1 202521.34%
Q2 202521.45%
Q3 202521.46%
Q4 202521.59%
Q1 202621.54%
Q2 202621.61%
Delinquent loans (60+ days)
0.07%0.33%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.07%
Q3 20240.15%
Q4 20240.21%
Q1 20250.53%
Q2 20250.15%
Q3 20250.55%
Q4 20250.59%
Q1 20260.17%
Q2 20260.22%
Return on assets
1.37%1.74%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.37%
Q3 20241.46%
Q4 20241.59%
Q1 20251.45%
Q2 20251.62%
Q3 20251.74%
Q4 20251.76%
Q1 20262.06%
Q2 20262.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202698$186.6M21.61%0.22%2.11%42.1%
Q1 202698$182.4M21.54%0.17%2.06%45.0%
Q4 202593$177.7M21.59%0.59%1.76%47.6%
Q3 202593$174.9M21.46%0.55%1.74%48.6%
Q2 202596$170.7M21.45%0.15%1.62%51.1%
Q1 202591$168.0M21.34%0.53%1.45%52.5%
Q4 202495$163.8M21.51%0.21%1.59%54.0%
Q3 202494$166.9M20.64%0.15%1.46%52.2%
Q2 202495$165.2M20.43%0.07%1.37%53.1%

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 ratio21.61%
98th
Problem loans0.22%
88th
Net charge-offs0.11%
84th
Return on assets2.11%
98th
Loans to deposits42.1%
95th
Uninsured deposits5.9%
50th
Loan-loss reserves0.00%
50th
Texas ratio0.3%
96th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Sky Federal Credit UnionCredit union Livingston, MT53 out of 100, Below average$197.3M7.7%1.02%vs
Southwest Montana Community Federal Credit UnionCredit union Anaconda, MT55 out of 100, Moderate$203.3M11.6%1.85%vs
1st Liberty Federal Credit UnionCredit union Great Falls, MT84 out of 100, Strong$214.2M14.4%0.28%vs
Billings Federal Credit UnionCredit union Billings, MT64 out of 100, Moderate$216.1M11.7%0.77%vs
Grasslands Federal Credit UnionCredit union Circle, MT88 out of 100, Very strong$141.5M13.5%0.05%vs
Russell Country Federal Credit UnionCredit union Great Falls, MT48 out of 100, Below average$131.1M7.6%1.12%vs

Deposit insurance

Is my money safe at Lincoln County Credit Union?

Yes. Lincoln County Credit Union is a federally insured credit union (NCUA charter #63199). 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 5.9% of shares and deposits ($8.6M) 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 21.61%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Lincoln County Credit Union lists 1 office in 1 city. Most locations:

  • Troy, MT (1)

All branch addresses and map

Identity & history

Profile

Legal name
Lincoln County Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63199
RSSD ID
362490
Primary regulator
State + NCUA
Established
1957
Headquarters
PO Box 1586, Libby, MT 59923
Employees
13

Quick answers

Lincoln County Credit Union: common questions

Is Lincoln County Credit Union NCUA insured?

Yes. Lincoln County Credit Union is a federally insured credit union (NCUA charter #63199). 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 Lincoln County Credit Union's TellerScore?

98 out of 100 (Very strong), 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 Lincoln County Credit Union have?

1 office as of the latest NCUA data.