Safe and Sound


Star Rating
LINCOLN USDA is an NCUA-insured credit union founded in 1939 and currently based in LINCOLN, NE. The credit union holds assets of $5.5 million, according to December 31, 2017, regulatory filings.

Members have $3.7 million on deposit tended by 2 full-time employees. With that footprint, the credit union has amassed loans and leases worth $3.7 million. Its 935 members currently have $4.7 million in shares with the credit union.

Overall, Bankrate believes that, as of December 31, 2017, LINCOLN USDA exhibited a good condition, earning 4 out of 5 stars for safety and soundness. Keep reading for an analysis of how the credit union faired on the three important criteria Bankrate used to grade U.S. credit unions.


Find out


Capital Score

Capital is a crucial measurement of a credit union's financial resilience. It acts as a bulwark against losses and provides protection for members when a credit union is struggling financially. From a safety and soundness perspective, the higher the capital, the better.

On our test to measure the adequacy of a credit union's capital, LINCOLN USDA racked up 18 out of a possible 30 points, exceeding the national average of 15.65.


Asset Quality Score




Troubled assets made up 0.00 percent of LINCOLN USDA's total assets in our test, beneath the national average and suggestive of greater financial strength than other credit unions.

Earnings score


LINCOLN USDA scored 4 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.11.


