Land Of Lincoln Credit Union

Land Of Lincoln Credit Union is headquartered in Decatur and is the 35^th largest credit union in the state of Illinois. It is also the 977^th largest credit union in the nation. It was established in 1947 and as of December of 2012, it had grown to 79 employees and 24,001 members. Land Of Lincoln Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics LAND OF LINCOLN NCUA # 63716 BankRate Report View Year Chartered 1947 Employees 79 Primary Regulator Assets and Liabilities Assets $177.09 million Loans $120.63 million Deposits $158.94 million Equity Capital $16.85 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $1.67 million Real Estate Owned $21,000 Historic Data - December 2011 Assets $158.20 million Equity Capital $14.48 million Loan Loss Allowance $1.29 million Unbacked Noncurrent Loans $1.21 million Profit Margin - Quarterly Net Interest Margin 5.81% Return on Assets 1.34% Return on Equity 14.09% Interest Income $8.10 million Non-Interest Income $5.04 million

Institution Health Overall Score: 4 out of 5 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, 2012 Land Of Lincoln Credit Union had $1.7 million in non-current loans and owned real-estate with $18.35 million in equity and loan loss allowances on hand to cover it. This gives Land Of Lincoln Credit Union a Texas Ratio of 9.24% which is above average. 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 held steady from 7.67% as of December 31, 2011 to 9.24% as of December 31, 2012, resulting in a negative change of 20.46%. This indicates that the balance sheet and financial strength for Land Of Lincoln Credit Union has held steady in recent periods. Deposit Growth In the past year, Land Of Lincoln Credit Union has increased its total deposits by $16.69 million, resulting in 11.73% 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. Capitalization 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 $177.09 million in assets with $18.35 million in equity, resulting in a capitalization level of 10.36%, which is above average.

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