# LINCOLN NATIONAL
GREENSBORO, NC · NCUA charter 830 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/lincoln-national-830

Who the members are: federal charter, service (single sponsor), organized 1935. 971 members of 5,250 potential (18.5% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $13.0M |
| Members | 971 (-5.2% YoY) |
| Full-time staff | 1 |
| Net worth | $2.4M |
| Net worth ratio | 18.4% (p75 of band) |
| ROA (annualized) | 0.43% (p44 of band) |
| Total delinquency | 1.23% (p64 of band) |
| Net charge-offs (annualized) | -0.07% (p7 of band) |
| Loans / shares | 44% (p24 of band) |
| Cash / assets | 14.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.33% (p10 of band) |
| Operating expense / assets | 1.97% (p12 of band) |
| Vehicles % of loans | 42% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 2.20% (p83 of band) |
| Vehicle NCO | 0.00% (p24 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $10,891 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 30% |
| Average loan balance | $12,968 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **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 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | assets shrinking, members leaving |  |
| 2017-06 | 3 | delinquency rising | members leaving |
| 2017-09 | 2 |  | delinquency rising |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 | members leaving | losing money, delinquency rising |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | delinquency rising |  |

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

- 2023-12-11 [30,000 Wreaths To be Placed At Gravestones At Abraham Lincoln National Cemetery - 1340 WJOL](https://news.google.com/rss/articles/CBMiogFBVV95cUxNMlk5UnNoRmZzRTNONFExWGo1bHVXMFgyTlNBVnpKdkstTXhaT0M2SUlNSmRXMWdweEJZeHN5d1BlbjhSNEFGOEhMYUQ4YkxWQlBQa2Y5cDlndFhYSTlFNGFJd2FQSXVoUHBHLWlZMDVTQ1hQcjFTVExqVjdlVWRtaHM1TlZDYjdrQkVwRGZGd3JMdF9sRmoxNU9tTmxHc0hzSGc?oc=5) · 1340 WJOL
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2024-05-25 [LaRue Chamber honors community leaders - The News-Enterprise](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQc2ZRZUZhYmlJc0xfWTNQcDRielROd1VsenZNZHpVX2o0am9ndnE0WlFwczMwOWhRanRnTWROQ3JNc1BZeG5HNXlfOVZGRHhmcHpFaHZpcEQzRGx2WDJVZUVBYVprR0JlRHpZZWVWcHlTTmpsNkRWMDl5Tml2X0RyblM4M1ZfcDF1WlNYbnlLM2NjU3lyWlktVHNFSFMxVi13OXpRN3lDdlhHV3ZydlVOS0NZYnM5V0dOVG9HNVpiaXZjb1NOcjlVaVBDQ2E4bHdLQ2c?oc=5) · The News-Enterprise
- 2021-08-20 [Lincoln National Life Insurance Class Action Settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPdHRKQk9WelE2YTg3RDV5d2dKU2UzUmd3LVVXcGhLWF9kdm1fSGRNQ2JUbjJUTEhUSWFXT0pleUNweGxCbzZOODZUeU1DdjNkanFPMm1MeGNYUW5tLUl3MjRJNkU3dVphTWx3bjF6SDROT01LMHZzc0dwSkFKcEFWTWZzRm10c3ZVaFRRc0xIMHpkRnFZdVRSSlNjTTRua0wxM1MzTERuby1XWXhVT05BcUoyY2RCcFN3d21wck16Q1k?oc=5) · Top Class Actions
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2011-03-10 [Does Someone Owe You Money? Final Part of Patch's Very Long Series (One Person is Owed Over $7,000) - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxPeC1yUkoydV9RRTZac1FiT3QwMExJVFFXbWpTckJMV196d18wVkRvRXRXeGk0d2tpVjBhMmk3Um1KRnJkT2lRN0pKOXVEd09LSElxUTYwRUpadXdETFEzeHpnVzc0RzBQUzlGemlPQ2tVNi1wVXlpdjk2eGFoTDdicC1tUVBmLXVPWVNJVE5ZMENvb2M3SHZnQ1J0YXUtdzZOUmk0?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=830 (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/62.json (key "830", 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=830
- 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