L&N EMPLOYEES

L&N EMPLOYEES is a state credit union headquartered in Birmingham, Alabama, serving 1,417 members with $8.0M in total assets and $4.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 57/100 (Fair), anchored by a net worth ratio of 19.84% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #62356 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 3.97% measures loans 60+ days past due against total loans outstanding — the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 66.29% indicates how aggressively member deposits are being deployed into lending — within the 60–80% range most industry analysts consider optimally balanced between yield and liquidity.

Every deposit account at L&N EMPLOYEES is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by -0.70%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Other), and current deposit and loan rates should be verified directly with L&N EMPLOYEES before opening any account or borrowing.