Charter 63199 · Libby, MT
Lincoln County Credit Union
Lincoln County Credit Union is a state-chartered credit union in Libby, Montana, with $187 million in assets and 5,733 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 21.61%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as LCCU.
- Total assets
- $187 million
- +9.3% in a year
- Members
- 5,733
- +1.0% in a year
- Net worth ratio
- 21.61%
- Peer median 11.65%
- Loans 60+ days late
- 0.22%
- Peer median 0.70%
- Loans outstanding
- $61.5 million
- -10.0% in a year
- Shares and deposits
- $146 million
- +9.2% in a year
- Branches
- 2
- 13 employees
- Opened
- 1957
- Montana charter
How Lincoln County Credit Union compares
NCUA groups credit unions by size; Lincoln County Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 21.61% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.22%, is lower than the group median of 0.70%. Loans fell 10.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 13 of 41 credit unions headquartered in Montana. See all Montana credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $187 million | 5,733 | $61.5 million | 21.61% | 0.22% |
| Q1 2026 | $182 million | 5,698 | $64.4 million | 21.54% | 0.17% |
| Q4 2025 | $178 million | 5,687 | $66.2 million | 21.59% | 0.59% |
| Q3 2025 | $175 million | 5,692 | $66.6 million | 21.46% | 0.55% |
| Q2 2025 | $171 million | 5,675 | $68.3 million | 21.45% | 0.15% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 20,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Lincoln County Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- LCCU Main Office (main office)
714 W 6Th St, Libby, MT 59923 - STEINS MARKET
607 E Missoula Ave., Troy, MT 59935
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology