LINCOLN COUNTY
Charter #63199 · Libby, MT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 5,698 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 21.54% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.09% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.17% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 38.70% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
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 | LINCOLN COUNTY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $182.41M | 45th pct | 62th pct |
| Members | 5,698 | 5th pct | 25th pct |
| Net worth ratio | 21.54% | 98th pct | 92th pct |
| Return on average assets | 2.09% | 97th pct | 97th pct |
| Net interest margin | 3.12% | 19th pct | 38th pct |
| Cost of funds | 1.21% | 50th pct | 51th pct |
| Loan-to-share | 45.04% | 8th pct | 30th pct |
| Delinquency 60+ days | 0.17% | 11th pct | 21th pct |
| Net charge-off ratio | 0.05% | 11th pct | 39th pct |
| Loan growth YoY | -3.33% | 14th pct | 23th pct |
| Share growth YoY | 4.25% | 61th pct | 62th pct |
| Efficiency ratio | 38.70% | 1th pct | 2th pct |
structural peer set hash: 9139c9d416c4b8360d1c663615a609ce… (reproducible)
Closest structural peers
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Claim LINCOLN COUNTY
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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.