LINCOLN S.D.A.
Charter #65561 · LINCOLN, NE · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,146 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -0.74% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.43% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 115.94% sits at the 92nd percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 46th percentile but its structural peers at the 66th — a 20-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 | LINCOLN S.D.A. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.07M | 0th pct | 3th pct |
| Members | 1,146 | 10th pct | 10th pct |
| Net worth ratio | 10.68% | 24th pct | 38th pct |
| Return on average assets | -0.74% | 8th pct | 8th pct |
| Net interest margin | 3.41% | 31th pct | 30th pct |
| Cost of funds | 1.43% | 76th pct | 92th pct |
| Loan-to-share | 54.70% | 46th pct | 66th pct |
| Delinquency 60+ days | 0.54% | 47th pct | 34th pct |
| Net charge-off ratio | 0.77% | 80th pct | 69th pct |
| Loan growth YoY | 0.26% | 72th pct | 75th pct |
| Share growth YoY | -0.20% | 25th pct | 23th pct |
| Efficiency ratio | 115.94% | 96th pct | 92th pct |
structural peer set hash: 0f5f4345732551c0ed50c28ee8606594… (reproducible)
Closest structural peers
This is the free public view
Claim LINCOLN S.D.A.
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.