Federal credit union · Louisville, Kentucky · NCUA charter #9260
L & N
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $2.47B
- Total assets
- 120,488
- Members
- 10.5%
- Net-worth ratio
L & N scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.47B; members 120,488; net-worth ratio 10.53%; health rank #282 of 4,374; healthier than 93rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#282 of 4,374 health · 2025Q4L & N · health 96/100 · $2.47B · 2025Q4
- HEALTH 96/100
- NW 10.5%
- DELQ 0.32%
- ROA 0.60%
- ASSETS $2.47B
- MEM 120,488
- RANK #282/4,374
- PHOTO Elements Financial
- BOOK 9260
Call Report peers
L & N in the assets neighbourhood
L & N's $2.47B assets sit next to Elements Financial ($2.47B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
L & N vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
L & N - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9260, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where L & N diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 93.80% vs peer 83.90% (+9.90 pp).
- Net Worth Ratio trails the peer set - 10.53% here, 11.18% peer average (-0.65 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where L & N sits in Kentucky
- Kentucky health ordinal: #5 of 54.
- By total assets, L & N is #3 of 54 in Kentucky.
- Membership ranks #2 of 54 among Kentucky CUs with a reported count (120,488 members).
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
L & N Call Report trajectory
L & N: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $2.47B (2025Q4) to $2.58B (2026Q1).
- Net-worth ratio shifted -0.20 pp (10.73% → 10.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 96/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 13.1 pts
L & N health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.53% | -0.65 pp |
| Delinquency Rate | 0.32% | -0.56 pp |
| Return on Assets | 0.60% | +0.09 pp |
| Member Growth | 3.22% | - |
| Loan-to-Share Ratio | 93.80% | +9.90 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
L & N filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.58B | - |
| 2025Q4 | $2.47B | 120,488 |
| 2024Q4 | $2.26B | 116,727 |
| 2023Q4 | $2.08B | 113,063 |
Credit Union Details
- Charter Number
- 9260
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Kentucky
- City
- Louisville
- Data Quarter
- 2025Q4
Branch Locations (28)
L & N operates 28 offices across 15 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Louisville, KY |
| SOUTH CORBIN | CORBIN, KY |
| North Corbin | Corbin, KY |
| CRESTWOOD WAL-MART | CRESTWOOD, KY |
| ERLANGER | ERLANGER, KY |
| FT WRIGHT | Ft Wright, KY |
| VETERANS PARKWAY | JEFFERSONVILLE, IN |
| JEFFERSON RIDGE | JEFFERSONVILLE, IN |
| LAGRANGE | LAGRANGE, KY |
| LONDON DOWNTOWN | LONDON, KY |
| LONDON SOUTH | LONDON, KY |
| Smyrna Admin | LOUISVILLE, KY |
| SOUTHERN PARKWAY | LOUISVILLE, KY |
| DOWNTOWN | LOUISVILLE, KY |
| HIKES POINT | LOUISVILLE, KY |
| SMYRNA | LOUISVILLE, KY |
| DIXIE | LOUISVILLE, KY |
| OLD BROWNSBORO CROSSING | LOUISVILLE, KY |
| MIDDLETOWN WAL-MART | LOUISVILLE, KY |
| SMYRNA ADMIN NORTH | LOUISVILLE, KY |
| JEFFERSONTOWN | Louisville, KY |
| Stonybrook | Louisville, KY |
| Fern Creek | Louisville, KY |
| Mount Washington | Mount Washington, KY |
| New Albany | New Albany, IN |
| Shepherdsville | Shepherdsville, KY |
| SOMERSET | SOMERSET, KY |
| WILLIAMSBURG WAL-MART | WILLIAMSBURG, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
L & N nationwide neighbourhoods
L & N's nationwide photo peers by assets and by health score, excluding Kentucky charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.47B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
Using this data
- L & N ranks #282 of 4,374 nationally on financial health and #5 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ABOUND is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ABOUND
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is L & N financially healthy?
Yes/no aside, the number is 96/100 (Excellent) - L & N's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #282 of 4,374; by total assets it ranks #213 of 4,374 nationally (same basis as /rankings/largest); and #3 of 54 within Kentucky. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.53% net worth ratio and 0.32% delinquency rate are the key drivers.
How does L & N compare to other credit unions?
PlainCU's health composite puts L & N at 96/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join L & N?
L & N operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact L & N directly for the exact boundaries and application steps.
Is my money safe at L & N?
Federal credit unions like L & N are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. L & N's net worth ratio of 10.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does L & N offer compared to banks?
Credit unions like L & N are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact L & N directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.