L & N Credit Union

L & N Credit Union is headquartered in LOUISVILLE and is the 3^rd largest credit union in the state of Kentucky. It is also the 282^nd largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 187 employees and 62,532 members. L & N Credit Union's money market rates are 48% higher than the national average, and it boasts a 5-star health rating.

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L & N Credit Union Money Market Rates

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Data for Q4 2011

Institution Statistics L & N NCUA # 9260 BankRate Report View Year Chartered 1954 Employees 187 Primary Regulator Assets and Liabilities Assets $706.42 million Loans $422.93 million Deposits $613.17 million Equity Capital $65.03 million Loan Loss Allowance $3.25 million Unbacked Noncurrent Loans $4.39 million Real Estate Owned $449,000 Historic Data - December 2010 Assets $661.12 million Equity Capital $58.37 million Loan Loss Allowance $3.80 million Unbacked Noncurrent Loans $3.33 million Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 4.13% Return on Assets 0.94% Return on Equity 10.25% Interest Income $27.70 million Non-Interest Income $10.63 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 L & N Credit Union had $4.84 million in non-current loans and owned real-estate with $68.28 million in equity and loan loss allowances on hand to cover it. This gives L & N Credit Union a Texas Ratio of 7.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for L & N Credit Union held steady from 7.00% as of December 31, 2010 to 7.09% as of December 31, 2011, resulting in a negative change of 1.30%. This indicates that the balance sheet and financial strength for L & N Credit Union has held steady in recent periods. Deposit Growth In the past year, L & N Credit Union has increased its total deposits by $41.27 million, resulting in 7.22% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth L & N Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. L & N Credit Union has $706.42 million in assets with $68.28 million in equity, resulting in a capitalization level of 9.67%, which is average.

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