# LINCONE
LINCOLN, NE · NCUA charter 10585 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lincone-10585

Who the members are: federal charter, community charter, organized 1955. 16,977 members of 320,000 potential (5.3% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 52.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $183.8M |
| Members | 16,977 (-3.0% YoY) |
| Full-time staff | 42 |
| Net worth | $22.8M |
| Net worth ratio | 12.4% (p59 of band) |
| ROA (annualized) | 0.99% (p68 of band) |
| Total delinquency | 0.91% (p69 of band) |
| Net charge-offs (annualized) | 1.09% (p90 of band) |
| Loans / shares | 50% (p17 of band) |
| Cash / assets | 50.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.37% (p86 of band) |
| Operating expense / assets | 4.18% (p68 of band) |
| Vehicles % of loans | 54% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 32% |
| Third-party paper % of net worth | 66% (p61 of band) |
| Vehicle delinquency | 0.50% (p47 of band) |
| Vehicle NCO | 1.84% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 81% |
| Certificates % of member funds | 10% |
| Average share balance | $5,494 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 52% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $8,965 |
| Loans granted, annualized | $39.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (5.5% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | thin capital, delinquency rising | losing money |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | thin capital |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | delinquency 2x band |  |
| 2019-06 | 0 |  | delinquency 2x band |
| 2019-09 | 1 | delinquency 2x band |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | net worth falling | delinquency 2x band |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | thin capital, margin squeeze |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 | 3rd-party paper>100% NW | net worth falling |
| 2022-09 | 5 | delinquency 2x band, delinquency rising, auto monoline |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 6 | charge-offs p90 |  |
| 2023-06 | 5 |  | thin capital |
| 2023-09 | 5 | assets shrinking | delinquency rising |
| 2023-12 | 4 |  | auto monoline |
| 2024-03 | 3 |  | delinquency 2x band |
| 2024-06 | 3 | delinquency 2x band, auto monoline | charge-offs p90, assets shrinking |
| 2024-09 | 2 | charge-offs p90 | delinquency 2x band, auto monoline |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 | delinquency 2x band | 3rd-party paper>100% NW, charge-offs p90 |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | delinquency 2x band |
| 2025-12 | 1 | members leaving |  |
| 2026-03 | 2 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-06-17 [The Annual Food Truck Fest helps fight food insecurity in southeast Nebraska - 1011now.com](https://news.google.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?oc=5) · 1011now.com
- 2025-06-17 [Fight hunger at LincOne Federal Credit Union Food Truck Fest - Lincoln Journal Star](https://news.google.com/rss/articles/CBMijAFBVV95cUxOWGVpczhmV3lBZ05CRlFwWGJkRmhGS2FxZl9OYmE3WG9QQVgweEEtSXZyM041SXNOVlF5Tkprd1F3bWtUSE1KaEROY3BGQV9tR3h4dFJYRDlHWEJRaVVzWjdYMnI1VjJEV0JINTFYWlBWYmJsbFNjUWxrZnlRVGxkZ3RnZ21rc3o3T0RmNg?oc=5) · Lincoln Journal Star
- 2022-05-09 [David Merrill Bayne - roperandsons.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE91QUh3YWNDUnhoRmVta0pRNjYyWFVjRVhQTG9wQkdsMkNDRW1ybjE5Ulp3Rmx5bVo0aFhmVFJ5X3lTTEtXWHk5S0pSd3R4VFk3M245R1RJVWRyanU2UHJma3ZfaWM?oc=5) · roperandsons.com
- 2023-03-01 [Driver crashes into LincOne Federal Credit Union - 1011now.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPMEtkbU1EWnluMXR5TGVtc2J6UHA3WG5hOC1XNEh6MUtUcV9fekdGZU9OSy1GVDlMQnMwcTZnVkFtYzFvN1NMRlI1ek9KSkt4Yl9fd045QkdoMHh3eWxmZV96V19yS3gyYy1odlhWVS15ZzBTMjJKZU0ycU9rWkkxQWp3bWoxaHFMTzNPblVR0gGiAUFVX3lxTFBuRGdESE5iNndfRHNnZDAzRDVRcnV0THJCRGllX0NtQ2lUekd2SkRseTdwemlyRDRyZzJQYXpJOFZLQVNOWUxzZ19Fd215SU5rUF90S0Y3SXRfX3U3bHVoaExWSUlhdkxHbzJLWW1KaFF4MTRLTjZINzI2bHRfYW5kWGZQcXJtNmgwQU9WUGxFb0NlUnlUT0FveWF6RmdPbTVKZw?oc=5) · 1011now.com
- 2023-03-31 [Donald Carnes Obituary - Lincoln, NE - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOTXU3bWc1Y2pTZ3F6bS13OGV3REIwYjBfZWNXQllucy1mMVdLWW1ITDM0a3lfcGNSTXMyWU1XenIwa18yMDhuZXMxZTRQSGpvcVBkX0xZZ3owX1d5SWl1Nnl4MllRTlRiZEJQWHlUMEJnQnlPYmRZV3ctal91aVRLYWZn?oc=5) · Dignity Memorial
- 2024-09-13 [Identity theft suspect arrested after fleeing officers over $60,000 fraud attempt - 1011now.com](https://news.google.com/rss/articles/CBMitgFBVV95cUxQSmNxSGttdk5YX3RhLTVweTc1OEZCeG9LdzZQeTUzdlFDdGpoQURrei1vdUpGamp2QlJUUnpqZFd3eFBLUnpWbkhZZDh1TzlscTlwZjJRRTZxUjlJbHIyZUUwNWRqZldyTW9LU3haYlpQeWxVM3UxdGxBN3NMcWxtRG5ZLUtJSURndkZVMjBFYkNSaG9vT0tOZ2hoUzRUNlYtM3Z0TzlUTGRwQldOcV81QUdaWTBUUdIBygFBVV95cUxOVDItWU9XZnByUkNTM1Y5RnBFa3hza0w4QktWb2xGUkliUlpfUExGaTctU2tuRDQ2X3VzckppVnBCX1lENFdOX2txbDhYMm55RUd6anhCMDZKZU9jXzV2QnBvRWRzUVI2Rklucnl6LVVGd3dsVk4wWlFwUVRfWkdjN1RUMGhxWnRvRlZ6bEtqanpnZFRtSDYtc0lxbEFDUFViNTZDcUNleWRwcjJQRzE5OXR5Q25OdWdGZ0oxNmFSQkFvaWw0OGRpUTBB?oc=5) · 1011now.com
- 2026-08-21 [Fundraiser to help Lincoln father’s dream of creating an autism mobile calming unit happening Saturday - 1011now.com](https://news.google.com/rss/articles/CBMiywFBVV95cUxOemwzVk5kbWZBM2lCUFpEY3lsdk1tdjJndVRfTkRCbDR4aDBWdFlIZ1FuYnMxQk9mZXlfbmI0T1Nvc3FKMHJoZHhSZTA1WHkxZnZTUFVyTmh4dXBUQXpXQnJKYmZCQ0ozVzMyeHZvYmg5QnBsNldpcFZ3SFJzUUVOZlNUVnFxVFlfT0d1SHR2djczZzhqUEhXMFkxOEN5cFhKOG1naERHWDU4c0Z0T2tLUThTekZtOHhqZnNQOTdiSWpQZUdhMWlMd1pOVQ?oc=5) · 1011now.com
- 2024-09-10 [Man cited after fleeing officers over $60,000 fraud attempt, Lincoln Police say - 1011now.com](https://news.google.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?oc=5) · 1011now.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10585 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/25.json (key "10585", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=10585
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide