Lincoln County

Libby, MT · 2 · Charter #63199 · www.lincolncountycu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$177.7M
82th percentile
Members
5,687
31th percentile
Total loans
$66.2M
56th percentile
Total shares
$139.0M
77th percentile

Profitability

Return on assets
1.89%
90th percentile
Net interest margin
3.00%
18th percentile
Efficiency ratio
36.12%
97th percentile
Non-interest income ratio
10.37%
17th percentile

Capital & Risk

Net worth ratio
21.59%
95th percentile
Delinquency rate
0.59%
58th percentile
Net charge-off rate
0.16%
73th percentile
Loan-to-share
47.64%
18th percentile

Growth

Member growth YoY
-0.04%
57th percentile
Asset growth YoY
8.47%
83th percentile
Loan growth YoY
-4.48%
20th percentile
Share growth YoY
8.30%
82th percentile

Operations

Members / branch
2,844
44th percentile
Assets / member
$31,239
97th percentile
Field of membership penetration
28.43%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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