LINCONE
Charter #10585 · LINCOLN, NE · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.46% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.91% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.08% sits at the 87th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 28th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LINCONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $183.83M | 45th pct | 56th pct |
| Members | 16,977 | 66th pct | 67th pct |
| Net worth ratio | 12.38% | 62th pct | 62th pct |
| Return on average assets | 1.01% | 70th pct | 59th pct |
| Net interest margin | 4.46% | 89th pct | 97th pct |
| Cost of funds | 0.78% | 29th pct | 43th pct |
| Loan-to-share | 50.19% | 12th pct | 28th pct |
| Delinquency 60+ days | 0.91% | 72th pct | 79th pct |
| Net charge-off ratio | 1.08% | 90th pct | 87th pct |
| Loan growth YoY | -1.85% | 26th pct | 28th pct |
| Share growth YoY | 6.88% | 86th pct | 85th pct |
| Efficiency ratio | 73.57% | 33th pct | 31th pct |
structural peer set hash: 1e53b51ba301dc7df3ebfd61a7492a19… (reproducible)
Closest structural peers
This is the free public view
Claim LINCONE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.