Credit union
Land of Lincoln Credit Union
Decatur, Illinois, Macon County, IL
$499M in total assets and 35,747 members, the 761st largest of 4,298 US credit unions and 25th of 173 headquartered in Illinois.
- NCUA charter
- 63716
- Charter
- State chartered (IL)
- Chartered
- 1947
- NCUA insured since
- 1976
- Low-income designation
- Yes
- Website
- https://www.llcu.org
At a glance
Compared with 32 federally insured credit unions in Illinois with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $499M | 72% | $287M | |
| Loans | $365M | 78% | $159M | |
| Deposits (shares) | $444M | 75% | $250M | |
| Members | 35,747 | 69% | 17,886 | |
| Return on assets | 0.23% | 9% | 0.86% | |
| Net interest income to assets | 3.87% | 59% | 3.72% | |
| Efficiency ratio | 88.4% | 84% | 74.0% | |
| Net worth ratio | 9.81% | 6% | 11.60% | |
| Loans to shares | 82% | 69% | 74% | |
| Cost of deposits | 1.53% | 53% | 1.45% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 8.3% a year over 10 years and 7.7% a year over the last 5, including 3 mergers in the last 10 years. Membership grew 1.3% a year over 5 years, to 35,747.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Sep 2026 | Williamsville State Bank & Trust Bank, Williamsville, IL | $94M |
| Nov 2023 | Nokomis Savings Bank Bank, Nokomis, IL | $25M |
| Jul 2023 | Colchester State Bank Bank, Colchester, IL | $73M |
| Oct 2014 | Murray Employees Credit Union Credit union, Centralia, IL | $5M |
| Sep 2014 | Sangamo Chapter Credit Union Credit union, Springfield, IL | $9M |
| Apr 2014 | United Methodist Ministries Credit Union Credit union, Bloomington, IL | $4M |
| Dec 2013 | S J H Employees Federal Credit Union Credit union, Springfield, IL | $2M |
Where they operate
15 branches in 10 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Macon County, IL | 4 | 7.7% | 3 of 22 |
| Coles County, IL | 2 | 8.7% | 2 of 15 |
| Effingham County, IL | 2 | 8.3% | 3 of 13 |
| Christian County, IL | 1 | 4.3% | 7 of 14 |
| Fayette County, IL | 1 | 7.1% | 3 of 10 |
| Marion County, IL | 1 | 4.5% | 6 of 16 |
| Mcdonough County, IL | 1 | 5.9% | 6 of 10 |
| Mclean County, IL | 1 | 1.6% | 15 of 36 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 12 | |
| 2017 | 12 | 0 |
| 2018 | 12 | 0 |
| 2019 | 12 | 0 |
| 2020 | 11 | −1 |
| 2021 | 12 | +1 |
| 2022 | 13 | +1 |
| 2023 | 15 | +2 |
| 2024 | 15 | 0 |
| 2025 | 15 | 0 |
| Jun 2026 | 15 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.91% | 0.56% |
| Net worth ratio | 9.81% | 11.60% |
| Loans to shares | 82% | 74% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Illinois
Most branches in Macon County, IL
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.