LAND OF LINCOLN
Charter #63716 · DECATUR, IL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 35,390 sits at the 21st percentile of structural peers — worth a closer look.
- Net worth ratio of 9.40% sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of 0.24% sits at the 8th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.00% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 87.77% sits at the 92nd percentile of structural peers — worth a closer look.
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 | LAND OF LINCOLN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $517.67M | 6th pct | 15th pct |
| Members | 35,390 | 32th pct | 21th pct |
| Net worth ratio | 9.40% | 27th pct | 20th pct |
| Return on average assets | 0.24% | 18th pct | 8th pct |
| Net interest margin | 3.78% | 72th pct | 52th pct |
| Cost of funds | 1.56% | 56th pct | 56th pct |
| Loan-to-share | 77.92% | 39th pct | 39th pct |
| Delinquency 60+ days | 1.00% | 79th pct | 85th pct |
| Net charge-off ratio | 0.55% | 63th pct | 61th pct |
| Loan growth YoY | 4.33% | 87th pct | 68th pct |
| Share growth YoY | 7.83% | 91th pct | 78th pct |
| Efficiency ratio | 87.77% | 84th pct | 92th pct |
structural peer set hash: 29fc9623adb671361efee68893ea8b70… (reproducible)
Closest structural peers
This is the free public view
Claim LAND OF LINCOLN
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.