Custom ExtendedMemebershipProvider MembershipUser GetUser Object Instance Error?

I keep getting the error: "Object reference not set to an instance of an object." on the italic code below. It code seems straight forward, Intellisense is happy and it compiles in VS2012. The only problem is that it won't run in a browser without error. I guess the MemberShipUser doesn't want to play nice. Help!

Note: This code runs after clicking the Login 'Submit' button.

Q. How Do I get this method to return a MembershipUser?

public override MembershipUser GetUser(string username, bool userIsOnline)
        {
            var user = (from u in entities.Users.ToList() where u.UserName == username select u).FirstOrDefault();

            var member = new MembershipUser(this.Name, user.UserName, user.UserID, user.Email, null, null, true, (bool)user.IsLockedOut, System.DateTime.Now, System.DateTime.Now, System.DateTime.Now, System.DateTime.Now, System.DateTime.Now);

            return member;
        }