# LINCOLN COUNTY
Libby, MT · NCUA charter 63199 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lincoln-county-63199

Who the members are: state charter, organized 1957, low-income designated. 5,698 members of 20,000 potential (28.5% of the field); checking penetration 74% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $182.4M |
| Members | 5,698 (-0.3% YoY) |
| Full-time staff | 12 |
| Net worth | $39.3M |
| Net worth ratio | 21.5% (p96 of band) |
| ROA (annualized) | 2.06% (p96 of band) |
| Total delinquency | 0.17% (p12 of band) |
| Net charge-offs (annualized) | 0.05% (p14 of band) |
| Loans / shares | 45% (p12 of band) |
| Cash / assets | 29.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.08% (p18 of band) |
| Operating expense / assets | 1.35% (p3 of band) |
| Vehicles % of loans | 16% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.33% (p32 of band) |
| Vehicle NCO | 0.19% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 77% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 21% |
| Average share balance | $11,781 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $27,828 |
| Loans granted, annualized | $15.2M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | repo signal |  |
| 2016-09 | 0 |  | repo signal |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 2 | delinquency rising |  |
| 2017-09 | 2 | margin squeeze | delinquency rising |
| 2017-12 | 0 |  | members leaving, margin squeeze |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | margin squeeze |  |
| 2020-09 | 2 | net worth falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | delinquency rising |

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

- 2026-06-05 [Legals for June, 5 2026 - Western News](https://news.google.com/rss/articles/CBMiekFVX3lxTE16UEEteGVqeXB1dGdwY2VSdjJWV0ktazlxbGs4clRsb1YtVnQ1YjJrcEN5Y2VIb1BzX2wyLWZSbmg4NWhFSm1ZMWpaaFZKdkdGV3hsVDBZYXh2cFk4R2NuTm4xb0g0Y3g5UUQ0Tjh1RGoxbUNDUFpNR293?oc=5) · Western News
- 2026-02-21 [Lincoln County seeks levy for recreation, Libby swim pond - Daily Inter Lake](https://news.google.com/rss/articles/CBMimwFBVV95cUxNdHgtWEZwSU1MZnQ5ald5cDNUQnRPdmNJOUljYzdkTTlkMGtJTVd2ZnduYXlTUnc3UnFGX1BDcEVjYmtIZzZnbzByMWhIQXdsTWQ5VlpMUGc1YmhWamhRWXZ4NTdXOUFjTU1VR3Q2ZTJFZjdnRHE4TDZSQ3k0Y0JsOENOM1VOcUh6M3Z0eE1iN3dlX1plOWlYNlh6UQ?oc=5) · Daily Inter Lake
- 2026-01-21 [The Best Savings Accounts in Montana for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMid0FVX3lxTE5tTlRsWmtmTDM1ZkJ0cWc0YjRTZ1g3ZW11cDhjajRRNDRJbU1PTHQyQ3dTN3RkU0Z1TXJKUXJBM2dJc3FCeWV6ZXhmSDhKN294a3NXQ0FFVDJxLXF6a3NUaHYyaHNBQVZzb2hSWjdpdWJzcV9zN0RV?oc=5) · MoneyRates
- 2023-11-20 [Lincoln County woman gives back to the community - Daily Inter Lake](https://news.google.com/rss/articles/CBMimAFBVV95cUxQWU5OT0J4VXg4YkVyU1g2U0FDN2tEZE01dFl5UGpoaEZadmsyMVA4SzJpWlNuYlhEU2pXaTExS0Z5UDlsbG9PNHNvQXVOTC1BX1JORUtGWFdjVnpiSEhQaVdiQmc5ZTdYdjZfdmdfQmhrLXBrcnRuNVg0QnpOaDNzNVZvSVNJTFFqWl9zd3k2alZCX3hqYlBJdQ?oc=5) · Daily Inter Lake
- 2013-04-25 [Residents show support for teen burned in gasoline explosion - NBC Montana](https://news.google.com/rss/articles/CBMimgFBVV95cUxQS2ZqbnlhVF9zNDhDX282VWpqN3FyVG04NnlWQ1ZHV3FLZExQT09JVm5aV1lWMWswbjR2WVVRcFRERjRHSEhTYnJIU2F1T3VQTS1lSVVIU2VUc0I4NTByYlBhQ0VYU1YtQ1d2NURjUUg1bkNuSDYzVldkRTEyeDhqVy1fYnBueXZxeElNcXFYT081VUhjcnZUS2l3?oc=5) · NBC Montana
- 2023-10-25 [Stephen G. "Steve" Howard Obituary (2023) - Libby, MT - Schnackenberg Funeral Home - Libby - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxQT1N5YUVzNk5tUS1YQnMzS0J3VDUwZnRRWjVaRUtLZmhqWUQ2aTkwUzBTMWJqYVIwLXJOV1kzMnJGZHhiT1c4dl9VcGl4ZXJwZUpYUnZDSkZBRFNwLXd1STNkT2lKN3Iwal9kNnFIc1dPVFRlZFJxcmVaaFF3ejFuZGpFTQ?oc=5) · legacy.com
- 2025-08-29 [Major changes coming to over-the-air TV in Libby - Western News](https://news.google.com/rss/articles/CBMimAFBVV95cUxPU1Z6QUlpUjQyVFJmaUFPS1B5UTNkOUpXZUM4RmxKRWJ5SmFOVFhjQWNSb0hHaWpBRkFNRlg4R1RUQm9uc29ZcndYSkJ2TWgzb2NnQXhqRXJPRF85REJzYXFJQ3BHN2I1VWZiOFYzU0Z1MFBDR3E5UlR1YkNjRlZxWjZFdndCSHh3TEFqdVFFZnlpXzBhUlZIMQ?oc=5) · Western News
- 2017-12-05 [Credit union donation to help food pantry buy cooler - Western News](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQVdGN1Jlb09KYmZzTXBHWi0tSU9DU3FqVTQ5TjZxNVdVWkJuWXVJOUtVY1pVRUdqTkZkRHNEckFTQUF4bkx4R0pzMHRWLVpUV1QzQXhuQlc1S0VMVkN4dndsbXpLaVMzM0VXdXgzRVQ2blYzSXJFN0haaVBWQzRZM0tyc1h4RmtoclN1TktvLVU1aXc?oc=5) · Western News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63199 (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/31.json (key "63199", 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=63199
- 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