TellerScore

Lincone Federal Credit Union (NCUA charter #10585) is based in Lincoln, Nebraska. Its Q2 2026 call report shows $183.6M in total assets and $157.7M in member shares and deposits and 3 offices.

Lincone Federal Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 78% of its 1,341 credit unions with $100 million – $1 billion. Among 50 credit unions headquartered in Nebraska, it ranks 15th. Funding & liquidity contributes the most (100/100, 55% loans-to-deposits, 3% uninsured); earnings contributes the least (62/100, 1.05%).

TellerScore · Q2 2026

Scorecard

Capital cushion77/100
Net worth ratio: 12.67%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity100/100
Loans ÷ shares: 55.5% · 2.8% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.18%

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 4 points (76 → 80), mostly because the loan quality component improved by 26 points.

TellerScore
707580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202470
Q3 202472
Q4 202475
Q1 202575
Q2 202576
Q3 202579
Q4 202580
Q1 202676
Q2 202680
Net worth ratio
7.00%9.93%12.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.89%
Q3 202411.42%
Q4 202411.58%
Q1 202511.62%
Q2 202512.26%
Q3 202512.63%
Q4 202512.87%
Q1 202612.38%
Q2 202612.67%
Delinquent loans (60+ days)
0.58%0.96%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.31%
Q3 20241.17%
Q4 20240.92%
Q1 20251.25%
Q2 20251.34%
Q3 20251.14%
Q4 20251.23%
Q1 20260.91%
Q2 20260.58%
Return on assets
0.99%1.34%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.18%
Q4 20241.23%
Q1 20251.62%
Q2 20251.57%
Q3 20251.52%
Q4 20251.69%
Q1 20260.99%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$183.6M12.67%0.58%1.05%55.5%
Q1 202676$183.8M12.38%0.91%0.99%50.2%
Q4 202580$176.5M12.87%1.23%1.69%53.1%
Q3 202579$171.9M12.63%1.14%1.52%54.7%
Q2 202576$172.1M12.26%1.34%1.57%54.3%
Q1 202575$176.1M11.62%1.25%1.62%53.4%
Q4 202475$170.6M11.58%0.92%1.23%55.5%
Q3 202472$167.5M11.42%1.17%1.18%58.0%
Q2 202470$172.4M10.89%1.31%1.30%55.7%

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 ratio12.67%
66th
Problem loans0.58%
58th
Net charge-offs0.71%
19th
Return on assets1.05%
68th
Loans to deposits55.5%
84th
Uninsured deposits2.8%
84th
Loan-loss reserves0.00%
50th
Texas ratio2.2%
74th

Similar-size credit unions in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
First Nebraska Credit UnionCredit union Omaha, NE77 out of 100, Strong$184.2M15.7%0.90%vs
Four Points Federal Credit UnionCredit union Omaha, NE33 out of 100, Low$165.5M3.6%1.24%vs
Trius Federal Credit UnionCredit union Kearney, NE58 out of 100, Moderate$152.3M10.6%1.32%vs
University of Nebraska Federal Credit UnionCredit union Lincoln, NE65 out of 100, Moderate$131.3M10.7%1.09%vs
Mutual First Federal Credit UnionCredit union Omaha, NE38 out of 100, Low$124.8M8.0%2.17%vs
Omaha Federal Credit UnionCredit union Omaha, NE88 out of 100, Very strong$118.0M15.3%1.05%vs

Deposit insurance

Is my money safe at Lincone Federal Credit Union?

Yes. Lincone Federal Credit Union is a federally insured credit union (NCUA charter #10585). 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 2.8% of shares and deposits ($4.5M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.67%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Lincone Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Lincone Federal Credit Union reported 125 home-loan applications under HMDA (LEI 254900LHER54ZRR2C571): 103 originated ($12,505,000 total), 8 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, 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
Lincone Federal Credit Union
Type
Federal credit union
NCUA charter #
10585
RSSD ID
859682
Primary regulator
NCUA
Established
1955
Headquarters
Po Box 30659, Lincoln, NE 68503
Employees
45

Quick answers

Lincone Federal Credit Union: common questions

Is Lincone Federal Credit Union NCUA insured?

Yes. Lincone Federal Credit Union is a federally insured credit union (NCUA charter #10585). 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 Lincone Federal Credit Union's TellerScore?

80 out of 100 (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 Lincone Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lincoln

InstitutionScoreAssetsCapitalProblem loansCompare
CerescoBankBank Ceresco, NE92 out of 100, Very strong$81.3M13.9%0.06%vs
Countryside BankBank Unadilla, NE90 out of 100, Very strong$118.5M15.2%0.35%vs
Nebraska State Employees Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$36.8M14.0%0.11%vs
Spirit of America Federal Credit UnionCredit union Lincoln, NE89 out of 100, Very strong$53.2M12.9%0.01%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
Cattle Bank and TrustBank Seward, NE87 out of 100, Very strong$421.9M12.9%0.08%vs