State credit union · Birmingham, Alabama · NCUA charter #62356
L&n Employees
Health score 52/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 52
- Health / 100
- $8.0M
- Total assets
- 1,417
- Members
- 19.8%
- Net-worth ratio
L&n Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62356 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
L&n Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)1
- Earnings (ROA)0
- Member growth52
- Liquidity (loan-to-share)94
Weighted composite: 52/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 19.84% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.84% | 30% |
| Delinquency Rate | 3.97% | 25% |
| Return on Assets | -1.17% | 15% |
| Member Growth | -0.70% | 15% |
| Loan-to-Share Ratio | 66.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About L&n Employees
Charter #62356, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's L&n Employees, a state credit union in Birmingham, Alabama with 1,417 members, $8.0M in total assets, and $4.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 52/100 (Fair), helped by a net worth ratio of 19.84% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
3.97% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Deposit deployment is captured by the 66.29% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -1.17% on net income of $-93375 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.70%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Alabama
More federally-insured credit unions based in Alabama, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is L&n Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, L&n Employees carries a financial health score of 52/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.84% net worth ratio and a 3.97% delinquency rate.
How does L&n Employees compare to other credit unions?
PlainCU's health composite puts L&n Employees at 52/100, compared to a peer group average for $2M–$10M 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 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?
Federal credit unions like L&n Employees 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 Employees's net worth ratio of 19.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does L&n Employees offer compared to banks?
Credit unions like L&n Employees 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 Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.