Lincoln County Credit Union
Libby, MT·Charter 63199·cu:63199·Credit union RBC / net worth
- #13 of 41Total assets in Montana
- 5,733members
- Top 1%Efficiency in the U.S.
- Top 2%Return on assets vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Lincoln County Credit Union
4 of 24 FORFI signals stand out against 770 similar credit unions, based on NCUA data for the quarter.
Funding pressure buildingWorth a look: Funding FORFI signal1.31%peers 1.30%+1 bps
Lincoln County Credit Union's cost of shares and deposits has not eased the way it has at similar credit unions, while more of the funding base moved into higher-rate time deposits.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 1.31% | 1.30% | +1 bps |
| Certificates' share of shares | ||
| 23.6% | 22.6% | +1.0 pp |
With internal data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Lincoln County Credit Union itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending-10.0%peers +2.6%-12.7 pp
Lincoln County Credit Union's loans declined 10.0% over the past year to $61.5 million. The median among 770 similar credit unions was +2.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -10.0% | +2.6% | -12.7 pp |
| Loans | ||
| $61.5 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Lincoln County Credit Union itself is left out of every peer median and percentile. How signals work
Where Lincoln County Credit Union differs most from peers
Efficiency ratio among the lowest of similar credit unionsContext: Efficiency37.5%peers 77.0%-39.4 pp
Lincoln County Credit Union's efficiency ratio was 37.5%, compared with a median of 77.0% among 770 similar credit unions: lower than 99% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 37.5% | 77.0% | -39.4 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Lincoln County Credit Union itself is left out of every peer median and percentile. How signals work
2 more observations
- Reliance on share certificates rising faster than peersFunding
- Share and deposit costs rising while the peer median fallsFunding
Key facts
- Lincoln County Credit Union is a state-chartered credit union headquartered in Libby, Montana. It reported $187 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $146 million, up 9.2% from a year earlier, and loans totaled $61.5 million, down 10.0%.
- Its net interest margin on average assets was 3.31% and its annualized return on assets was 2.23% for the quarter.
- Its cost of all shares and deposits was 1.31%, compared with a median of 1.30% among 770 similar credit unions with $100 million to $300 million in assets.
- It served 5,733 members, up 1.0% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Lincoln County Credit Union's own data, FORFI would look at: Which depositors repriced or moved balances, which relationships are at risk of migrating, and where exception pricing is concentrated.
Analysis workspaces
Sources and identifiers
- Institution
- Lincoln County Credit Union · Credit union
- NCUA charter
- 63199
- Reporting period
- Peer group
- 770 credit unions with $100 million to $300 million in assets that filed NCUA data for the same quarter. Lincoln County Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $1.02M | |
| $1.99M | |
| $470.54K | |
| $1.52M | |
| $191.38K | |
| $642.57K | |
| $46.16K | |
| $46.16K | |
| 2.23% | |
| 3.31% | |
| 37.51% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.