LINCOLN COUNTY
State-Chartered • Libby, Montana • Est. 1957
Quick Facts
- Charter Number
- #63199
- Type
- State-Chartered
- Established
- 1957
- Headquarters
- Libby, Montana 59923
- Address
- PO Box 1586
- Branches
- 2
- ATMs
- 3
- Members
- 5,687
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
5,687 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | LINCOLN COUNTY |
|---|---|
| Total Assets | $177.7M |
| Members | 5,687 |
| Loans Outstanding | $66.2M |
| Shares & Deposits | $139.0M |
| Net Worth | $38.4M |
| Net Worth Ratio | 21.59% |
| Loan-to-Share Ratio | 47.6% |
| Delinquency Rate | 0.59% |
| Net Income | +$3,358,266 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 3 ATMs
LCCU Main Office
Main Office714 W 6th St
Libby, MT 59923
STEINS MARKET
607 E Missoula Ave.
TROY, MT 59935
Who Can Join LINCOLN COUNTY?
Membership Type: Community
Membership eligibility for LINCOLN COUNTY may vary. Contact the credit union directly to confirm qualification requirements.
Contact LINCOLN COUNTY directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Montana RankingsFrequently Asked Questions
Yes. LINCOLN COUNTY is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, LINCOLN COUNTY has 5,687 members and a potential membership field of 20,000 people.
LINCOLN COUNTY's net worth ratio is 21.59% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 21.6%, LINCOLN COUNTY meets this threshold.
LINCOLN COUNTY operates 2 branch locations and has access to 3 ATMs. The main office is located at 714 W 6th St, Libby, MT 59923.
LINCOLN COUNTY was established in 1957. It is a state-chartered credit union chartered under charter number 63199. The institution has been serving members for 69 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or LINCOLN COUNTY. All financial data is for informational purposes only.