Land Of Lincoln Credit Union is headquartered in Decatur and is the 27th largest credit union in the state of Illinois. It is also the 859th largest credit union in the nation. It was established in 1947 and as of December of 2022, it had grown to 125 employees and 34,988 members at 13 locations. Land Of Lincoln Credit Union has a B+ health rating.
Field of Membership Restrictions
Land of Lincoln Credit Union offers membership to those are affliated with United Methodist and employeed by one of their Premier Partner Businesses. Additonally anyone who works or lives in one of these counties: Bond, Christian, Clark, Clay, Clinton, Coles, Crawford, Cumberland, DeWitt, Douglas, Edgar, Effingham, Fayette, Jasper, Jefferson, Lawrence, Macon, Marion, McLean, Montgomery, Moultrie, Piatt, Richland, Sangamon, Shelby, Washington.
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Long time member
I have banked with this credit union for over twenty years. They offered direct deposit of my paycheck. They have a mobile app that allows transfers between my savings and checking account. They offer loans and CDs although I do not remember ever borrowing money from them. A few times I forgot my password to my online account and one phone call got it unlocked. They also have a debit card that they print on site. Every time I have had to deal with a real person, they have been pleasant.
They Can't Pass The LAUGH Test!
This is the most unhelpful bank of all that my wife and I use. They are rude and are very disrespectufl when you have a problem. When you are less than 20$ off and they put the deposit from the day before at the end of a list of transactions BOOM another 23$ to them. They do not live out the meaning of a good crtedit union - They only look out after themselves!
After fourteen months they still can't get their phobne app to work with your visa account to reflect accurate balances.
Pick Another Bank
It was a nightmare. The app was worthless. Check deposit didn't work for nearly 4 months while multiple calls and follow-ups went unanswered. Went into my branch and they certainly did not know my name. Ms. Walker shrugged indifferently when I went in for help. Closed the account the same day- I can get crap service and cold stares at the other banks; at least those banks have apps that work and staff who can accurately relay bank policies.
Data as of Q4 2022
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 63716 |
| Year Chartered | 1947 |
| Employees | 125 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.91% |
| Return on Equity - YTD | 11.53% |
| Annual Interest Income | $12.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2022vs Q4 2021 | $380.8MM$357.6MM |
| Loans | Q4 2022vs Q4 2021 | $245.4MM$210.1MM |
| Deposits | Q4 2022vs Q4 2021 | $344.3MM$320.1MM |
| Equity Capital | Q4 2022vs Q4 2021 | $29.7MM$35.8MM |
| Loan Loss Allowance | Q4 2022vs Q4 2021 | $2.1MM$2.1MM |
| Unbacked Noncurrent Loans | Q4 2022vs Q4 2021 | $1.3MM$867.00K |
| Real Estate Owned | Q4 2022vs Q4 2021 | $0$23.00K |
