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P.O. Box 3310
Decatur, IL 62524

Land Of Lincoln Credit Union is headquartered in Decatur and is the 33rd largest credit union in the state of Illinois. It is also the 954th largest credit union in the nation. It was established in 1947 and as of December of 2013, it had grown to 85 employees and 25,773 members. Land Of Lincoln Credit Union's savings rates are 92% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must live or work in one of the following counties: Bond, Christian, Clark, Clay, Coles, Crawford, Cumberland, DeWitt, Douglas, Edgar, Effingham, Fayette, Jasper, Lawrence, Macon, Montgomery, Moultrie, Piatt, Richland, Sangamon or Shelby. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Land Of Lincoln Credit Union had $1.35 million in non-current loans and owned real-estate with $19.82 million in equity and loan loss allowances on hand to cover it. This gives Land Of Lincoln Credit Union a Texas Ratio of 6.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Land Of Lincoln Credit Union decreased slightly from 9.24% as of December 31, 2012 to 6.83% as of December 31, 2013, resulting in a positive change of 26.06%.This indicates that the balance sheet and financial strength for Land Of Lincoln Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Land Of Lincoln Credit Union has increased its total deposits by $9.79 million, resulting in 6.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Land Of Lincoln Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Land Of Lincoln Credit Union has $188.45 million in assets with $19.82 million in equity, resulting in a capitalization level of 10.52%, which is above average.

Institution Statistics

NCUA #63716
Year Chartered1947
Primary Regulator
Assets and Liabilities
Assets$188.45 million
Loans$125.63 million
Deposits$168.73 million
Equity Capital$18.27 million
Loan Loss Allowance$1.55 million
Unbacked Noncurrent Loans$1.35 million
Real Estate Owned$0
Historic Data - December 2012
Assets$177.09 million
Equity Capital$16.85 million
Loan Loss Allowance$1.50 million
Unbacked Noncurrent Loans$1.35 million
Real Estate Owned$21,000
Profit Margin - Quarterly
Net Interest Margin5.48%
Return on Assets0.74%
Return on Equity7.6%
Interest Income$7.84 million

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Land Of Lincoln Credit Union Savings Account Rates

1.00%$50-Health Savings Account
0.45%$50-IRA Builder
0.45%$50-Roth IRA Builder
0.10%$25-Regular Shares
0.10%--Christmas Club Account
0.10%--Vacation Club Account

Land Of Lincoln Credit Union Money Market Rates

0.30%$100k-MAXimum Money Market
0.20%$25k-Money Market

Land Of Lincoln Credit Union Checking Account Rates

0.10%$500-Share Draft Plus/Checking
0.10%$500-Horizon Club Checking
0.10%$500-Premier Advantage Checking
0.00%--Free Checking

Land Of Lincoln Credit Union CD Rates

1.30%$50k-1830 Day CD
1.00%$50k-48 Month CD
0.80%$50k-36 Month CD
0.55%$50k-24 Month CD
0.55%$50k-30 Month CD
0.40%$50k-12 Month CD
0.40%$50k-18 Month CD
0.30%$50k-6 Month CD
0.25%$50k-3 Month CD
0.15%$100-12 Month Share Certificate Starter

Land Of Lincoln Credit Union Locations
Branch Office2890 N Oakland AveDecatur, IL 62526
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Branch Office3130 E Mound RdDecatur, IL 62526
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