Credit union · NCUA insured
Lincoln County Credit Union
Top CarrotA $182.4M credit union headquartered in Libby, MT, with 5,698 members and 2 branches in Montana. Best rates: CDs 4.34% and savings 1.31% APY.
Lincoln County Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#10 of 47 in MontanaHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Lincoln County Credit Union
Lincoln County Credit Union is a member-owned financial cooperative headquartered in Libby, Montana.
The credit union is dedicated to serving people who live or work in Lincoln County, Montana.
- Headquarters
- 714 W 6th St, Libby, MT 59923
- NCUA charter
- 63199
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to people who live or work in Lincoln County, Montana.
Branches
2 branches in Montana
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Montana
2 branches
Libby area · 1
- LCCU Main OfficeMain office714 W 6th St, Libby, MT 59923Directions
Troy area · 1
- Steins Market607 E Missoula Ave., Troy, MT 59935Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 21.61% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.22% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $42 | $76 | — |
- CapitalNet worth ratio21.61%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.22%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$42Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Lincoln County Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.