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888-474-0097
100 Centennial Mall N Ste 313
Lincoln, NE 68508

Lincoln Usda Credit Union is headquartered in Lincoln and is the 54th largest credit union in the state of Nebraska. It is also the 5,052nd largest credit union in the nation. It was established in 1939 and as of March of 2014, it had grown to 2 employees and 1,106 members. Lincoln Usda Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee of USDA or USGS in Nebraska or other select group. - See Details

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Health

Data for Q1 2014

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Lincoln Usda Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Lincoln Usda Credit Union had $8,000 in non-current loans and owned real-estate with $684,000 in equity and loan loss allowances on hand to cover it. This gives Lincoln Usda Credit Union a Texas Ratio of 1.17% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
A+

In the past year, Lincoln Usda Credit Union has increased its total deposits by $397,000, resulting in 7.71% 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 Lincoln Usda Credit Union has shown is excellent.

Capitalization

GRADE:
B+

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. Lincoln Usda Credit Union has $6.22 million in assets with $684,000 in equity, resulting in a capitalization level of 10.99%, which is above average.

Institution Statistics

Overall
NCUA #3491
Year Chartered1939
Employees2
Primary Regulator
Assets and Liabilities
Assets$6.22 million
Loans$3.73 million
Deposits$5.55 million
Equity Capital$665,000
Loan Loss Allowance$19,000
Unbacked Noncurrent Loans$8,000
Real Estate Owned$0
Historic Data - March 2013
Assets$5.82 million
Equity Capital$645,000
Loan Loss Allowance$24,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.33%
Return on Assets0.19%
Return on Equity1.8%
Interest Income$53,000
Rates
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Lincoln Usda Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$20-Share Saving Account

Lincoln Usda Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.40%--12 Month CD
0.25%--6 Month CD
Locations


Lincoln Usda Credit Union Locations
Branch Office100 Centennial Mall N Ste 313Lincoln, NE 68508
Branch Office330 S 16th StLincoln, NE 68508