Sep, 30, 2025 — LINCOLN COUNTY CREDIT UNION is a federally insured state chartered credit union headquartered in LIBBY, MT with 2 branch locations and about $174.87 million in total assets. Opened 69 years ago in 1957, LINCOLN COUNTY CREDIT UNION has about 5,692 members and employs 13 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | LINCOLN COUNTY CREDIT UNION |
|---|---|
| Address: (Main Office) | 714 W 6th St LIBBY, MT 59923 |
| Phone: | (406) 293-7771 |
| Fax: | (406) 293-3236 |
| Website: | https://www.lincolncountycu.com |
| Branches: | 2 branch locations |
| Members: | 5,692 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 63199 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Jul 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $174,865,767 |
| CEO/Manager: | Lindsay Beaty |
| Chairperson: | Jon Reny |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 22,106,589 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 50,243,804 |
| Unsecured Loans | 1,933,084 |
| Other Loans | 14,403,592 |
| TOTAL LOANS | 66,580,481 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -286,041 |
| Land And Building | 1,154,354 |
| Other Fixed Assets | 288,177 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,210,552 |
| All Other Assets | 0 |
| TOTAL ASSETS | 174,865,767 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 279,948 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 25,065,481 |
| Regular shares | 68,511,943 |
| All Other Shares & Deposits | 43,493,884 |
| TOTAL SHARES & DEPOSITS | 137,071,309 |
| TOTAL LIABILITIES | 137,351,257 |
| Regular Reserve | 0 |
| Other Reserves | -2,202 |
| Undivided Earnings | 37,516,712 |
| TOTAL EQUITY | 37,514,510 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 174,865,767 |
| INCOME & EXPENSE | |
| Loan Income | 2,805,042 |
| Investment Income | 2,098,134 |
| Other Income | 399,845 |
| Total Employee Compensation & Benefits | 669,757 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,296,191 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 198,115 |
| Cost of Funds | 1,087,392 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,284,211 |
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