State credit union · Birmingham, Alabama · NCUA charter #62356
L&n Employees
Health score 52/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $8.0M
- Total assets
- 1,417
- Members
- 19.2%
- Net-worth ratio
L&n Employees scores 52/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.0M; members 1,417; net-worth ratio 19.16%; health rank #4,240 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,240 of 4,374 health · 2025Q4L&n Employees · health 52/100 · $8.0M · 2025Q4
Call Report peers
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L&n Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); L&n Employees sits in 50-54 with 82 others.
52 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for L&n Employees
- Loan-to-Share Ratio leads the peer set - 66.29% here, 63.60% peer average (+2.69 pp).
- Largest lag: Delinquency Rate at 3.97% vs peer 1.81% (+2.16 pp).
L&n Employees in Alabama
- Health composite ranks #85 of 89 among scored Alabama credit unions.
- Assets rank #73 of 89 inside Alabama ($8.0M reported).
- Membership ranks #67 of 89 among Alabama CUs with a reported count (1,417 members).
- One place up in Alabama, Solutions First (#84) scores 53/100, 1 point higher; one place down, Nrs Community Development (#86) scores 49/100, 3 points lower.
L&n Employees: 2025Q4 → 2026Q1
L&n Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $8.0M (2025Q4) to $8.0M (2026Q1).
- Net-worth ratio shifted -0.68 pp (19.84% → 19.16%).
This credit union's 19.16% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 52/100 score is built
L&n Employees gives up 48 points in total. Delinquency Rate costs the most, 24.8 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.2 pts
- Return on Assets 0.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 14.1 pts
L&n Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.16% | +0.10 pp |
| Delinquency Rate | 3.97% | +2.16 pp |
| Return on Assets | -1.17% | -1.62 pp |
| Member Growth | -0.70% | - |
| Loan-to-Share Ratio | 66.29% | +2.69 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.0M | - |
| 2025Q4 | $8.0M | 1,417 |
| 2024Q4 | $8.2M | 1,427 |
| 2023Q4 | $8.6M | 1,471 |
Credit Union Details
- Charter Number
- 62356
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- Birmingham
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, L&n Employees runs one office.
| Office | City |
|---|---|
| L & N Credit Union (Main Office) | Birmingham, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- L&n Employees ranks #4,240 of 4,374 nationally on financial health and #85 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FIREMAN'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FIREMAN'S
Frequently Asked Questions
Is L&n Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, L&n Employees scores 52/100 (Fair), with a 19.16% net worth ratio and 3.97% of loans delinquent. It ranks #4,240 of 4,374 nationally on health and #85 of 89 in Alabama.
How does L&n Employees compare to other credit unions?
L&n Employees scores 52/100, higher than 3% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (66.29% vs 63.60%). Its widest shortfall is delinquency rate (3.97% vs 1.81%).
How can I join L&n Employees?
Membership eligibility for L&n Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact L&n Employees directly for current membership requirements and application steps.
Is my money safe at L&n Employees?
L&n Employees is a state-chartered credit union; its shares are federally 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 Employees's net worth ratio of 19.16% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.