# LAND OF LINCOLN
DECATUR, IL · NCUA charter 63716 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/land-of-lincoln-63716

Who the members are: state charter, organized 1947, low-income designated. 35,390 members of 986,000 potential (3.6% of the field); checking penetration 65% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. 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 | $517.7M |
| Members | 35,390 (-0.4% YoY) |
| Full-time staff | 134 |
| Net worth | $48.7M |
| Net worth ratio | 9.4% (p30 of band) |
| ROA (annualized) | 0.23% (p19 of band) |
| Total delinquency | 1.00% (p79 of band) |
| Net charge-offs (annualized) | 0.55% (p63 of band) |
| Loans / shares | 78% (p39 of band) |
| Cash / assets | 4.3% |
| Borrowings / assets | 1.55% |
| Net interest margin | 3.73% (p72 of band) |
| Operating expense / assets | 4.85% (p93 of band) |
| Vehicles % of loans | 34% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 96% (p50 of band) |
| Vehicle delinquency | 0.76% (p65 of band) |
| Vehicle NCO | 1.02% (p58 of band) |
| Repossessed % of vehicle book | 0.04% (p48 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 223% |
| Core shares % of member funds | 61% |
| Certificates % of member funds | 29% |
| Average share balance | $6,850 |
| Participations bought / yr | $18.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $58.6M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $18,753 |
| Loans granted, annualized | $85.9M |

## Participation posture (from the same filings)

Bought $18.2M and sold $0 in the latest annualized quarter; $58.6M outstanding purchased (120.4% of net worth), $2.4M sold and retained. Sold in 2 and bought in 8 of the last 8 quarters. Shares 4.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 | net worth falling | expense trap |
| 2019-06 | 1 | expense trap | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | net worth falling | expense trap |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 1 | expense trap | net worth falling, margin squeeze |
| 2021-09 | 0 |  | expense trap |
| 2021-12 | 1 | expense trap |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 0 |  | expense trap |
| 2023-12 | 2 | net worth falling, 3rd-party paper>100% NW |  |
| 2024-03 | 4 | expense trap, delinquency rising |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | delinquency 2x band, members leaving | 3rd-party paper>100% NW, expense trap |
| 2025-03 | 2 | expense trap | delinquency rising, delinquency 2x band |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | members leaving |
| 2026-03 | 2 | net worth falling |  |

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

- 2026-09-01 [LLCU completes acquisition of Williamsville State Bank & Trust - wandtv.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQTEZhbWRhYnZDNm43M19CTG16SmtvWXgtazU4Ykp2SUdQaFpSU3c2aGZtT0FVMTlfYVdwODY3M1RuT292V1l3OTVCZEVySkR2WVlCTXU5TW9nQlZQLVp0ellHQ0RmeE83TjQyajVicktJaWZFdHdfcDF6SjJxWjkyOFpTZDlacVJwRWpBRkQzSnFBLW1RUzRr?oc=5) · wandtv.com
- 2026-08-21 [Land of Lincoln Credit Union Announces Taylor Rhodes as the New Branch Manager of Effingham South Branch - MyRadioLink.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPbUo1V1RCbE1HMi1ydUJnOENURndVU0s3NjZvXzBXMGdpTFM2a3ZTSTJvU2FDR3UtSGpmWlpyRGpTSXVabnk5ZHU2TVZNclEyWTVoRmp2LW1admxlY2FwSThNZXg0SnB3aFRVYWotbmp4NFc2dnQwOXJOdGFmY0ZPdnpXRWNRaGMzWXphdWo4X2I4YWhLX3dTb2FhNFRnZjh1WVlKWE5yVUVZWUpDTDQ3RmJranV2T1pkV3NmT1A1UUZQS0duWDdnX0NrUjZDWnozZVBzOERpNWU2cHFh?oc=5) · MyRadioLink.com
- 2025-10-29 [Credit union to acquire local bank - springfieldbusinessjournal.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPbnRCb3QxTkxyOFBTVkdlZV9DcF9XeXRhbWxYYk0tTFJZaUw3cjhycU9SQXY4OWJzaGctdkVUMEdUY3VzbVd5WlpVSy10dEp6YVpaLVd5LUlJUVJZRFo2aXNRX3hUU3JnaXNET09xVEc3LWUtOTNNaV92cFU0eERqajB4ang2Q0hEZ1ZsOVJlcE4?oc=5) · springfieldbusinessjournal.com
- 2025-07-02 [Land of Lincoln Credit Union welcomes Annette Collins as Junior Commercial Loan Officer - CUInsight](https://news.google.com/rss/articles/CBMixwFBVV95cUxOS1BqRS1oc1pROVRhbzl6dENubGcyWEJhSkdDc1VDTzhBWWxHT21yRnMxdFVicFNLRnFzbG1SLUlJWUdFU0JpTFlrUHJjekdkbjRlMDJtWlFqcElQYlhnNUo2SElvTEtCWUN1QlIxbUU3akRqSXNDalRoYngxZmJIT2p6dFpiOXdMRXZ5Tk4yNEtQX29vNkdrZm9mY2owRFNUdzQ4dmtsWkxWUzNEYlVkQ0s5ejJSbUlIZVl5aGpxM285RmJrV2tB?oc=5) · CUInsight
- 2026-06-12 [Here are ways to celebrate Juneteenth in Springfield - The State Journal-Register](https://news.google.com/rss/articles/CBMixAFBVV95cUxNdC1SOTRzSXhMUk1RMk4zbnBJelUtM3BFdFRFZlgxNXhuY1VlTkdaWEVvWWI4MVlZZFRMN210WGtGRHdIRl8xU1hHNlJtM0NHR3JkbWZBWUg2VEhoVmdkajFLM2s2YnkzWmZlTmk2WS1WbndjT25nY1YyMjdJcUlrejdVcnBiSE8wTmxpektBTGhPT3lNcmRoSXRjckdCTUhpOWo4bFZnajluUkIxY0NQTkRsdzBqZ2ZzNDM0alMycmNya2VD?oc=5) · The State Journal-Register
- 2022-08-12 [Our Town Mt. Zion: Land of Lincoln Credit Union - WCIA.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOR0JXN2k2bGVTU2Q0TVZQMzNNVFQweE80bmdJZkdUaHBDVFRDNUs0aW5SY0pqRHRmUzJkaHBNaWRLSEZMM2lqcFBlUEhqWEdWQ1NtU19KdDY3UmtLanVaaTVtSGRTWEFDS3hpVUZad1VpM1EtbDhaRDB6YzRVYUxoQlJBU0PSAYoBQVVfeXFMTkNSZXpuWUVTaFdRR0pCTXVZbkJPaElRU1B4SlNoZ3NDcGd3SVk1RUxvU0ViTWNqaFZhRTVMZjllRzBNMVpkZmlxTWtjOWFrU3dTSlU0amRsTUFDYlBhdDJJeTBGN3N5UFdYMXlOY3M0TjNLWTRuTHYxTk1YdmE4RHpkRUVzT3VXdUtn?oc=5) · WCIA.com
- 2025-01-03 [Land of Lincoln Credit Union honored as ‘Community Involveme... - morningsentinel.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNZTZBckpTT29FTWdRb2trUXVUeGt1UThfalJpa0otNUdTRmVoaXdWTUZoM2dWcFZTUnJ4SXdRTENNYm96aFdLMmNqTFFvMWhKSWhhMlA1V01QZUQ1MlVYS0laRndsLWtraXV5QUpsd1JFS2UxX2V0YnpaQlptSW1wRVg4Mnp4SDFNVmtvekMycjRiX1pYNE5sQ0ozbkJaNjVNX0hYZ0dWQ2ZRWjJ3OGkzSVVRQUlQTkZ5aFVjWXRmQ2tLZmljQ09HQTBKSm14RzA?oc=5) · morningsentinel.com
- 2023-04-28 [Land of Lincoln Credit Union to acquire Nokomis Savings Bank - Decatur Tribune](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcTBIZ1YwMjFCQmoydkF2Q3g2dTQyanF3VDg1Q0tIOHlURXNxY2lSUXRHRndrTkZpUm0ya2Q3REhBcVNVQ0duVlRtWVB3em5wSEJjWFJDQ0l0THhMUmdmaTVMOEN3RmZSVC1WNGJzelhGYnBwRGpMS1Zza2tzZGRGS2VMMFh5dG9aYU96N1ROOE0yMk5zMDkweXJQcFVfa3lRVVpBbnhB?oc=5) · Decatur Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63716 (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/36.json (key "63716", 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=63716
- 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