B
Land of Lincoln Credit Union
DecaturIL
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Land of Lincoln Credit Union
Decatur, IL
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Rating B
Asset Quality Index 6.80
Capitalization Index 6.80
Liquidity Index 2.30
Profitability Index 5.20
Stability Index 5.60
Company Info Land of Lincoln Credit Union
Decatur, IL
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NCUA Charter Number 5022
Phone Number (217) 864-3030
Website www.llcu.org
Asset Quality Land of Lincoln Credit Union
Decatur, IL
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1-Year Asset Growth 1.13%
5-Year Asset Growth 12.60%
5-Year Charge-Offs to Average Loans 0.47%
Charge-Offs to Average Loans 0.71%
Non-Performing Assets to Assets 0.70%
Non-Performing Loans to Capital 7.26%
Non-Performing Loans to Loans 0.94%
Balance Sheet Land of Lincoln Credit Union
Decatur, IL
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Total Assets 475.41M
Total Deposits 429.19M
Capital and Reserves Land of Lincoln Credit Union
Decatur, IL
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Capital 44.09M
Leverage Ratio 10.01
Loan Loss Reserves to Loans 0.64%
Liquidity Land of Lincoln Credit Union
Decatur, IL
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Hot Money Ratio 17.09%
Liquidity Ratio 8.11%
Profitability Land of Lincoln Credit Union
Decatur, IL
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5-Year Return on Average Assets 0.85%
Net Income 1.99M
Net Interest Spread 4.48%
Operating Profit to Average Assets 0.94%
Overhead Efficiency Ratio 84.06%
Return on Assets 0.55%
Return on Equity 6.35%