L & N Federal Credit Union is headquartered in Louisville and is the 3rd largest credit union in the state of Kentucky. It is also the 214th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 296 employees and 117,650 members at 27 locations. L & N Federal Credit Union has an A health rating.
L & N Federal Credit Union membership is open to those who live, work, worship, attend school, or belong to any legal entity in the Kentucky counties of Bullitt, Henry, Jefferson, Knox, Laurel, Oldham, Pulaski, Rockcastle, Shelby, Spencer, Trimble, or Whitley, or the Indiana counties of Clark or Floyd. Select areas of the Kentucky counties of Boone, Campbell, Gallatin, Grant, Kenton, and Pendleton, the Indiana counties of Dearborn and Ohio, and Hamilton County, Ohio also qualify.
See current membership details
Overall | |
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NCUA # | 9260 |
Year Chartered | 1954 |
Employees | 296 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.83% |
Return on Equity - YTD | 7.81% |
Annual Interest Income | $25.6MM |
Assets and Liabilities | ||
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Assets | Q1 2025vs Q1 2024 | $2.35B$2.16B |
Loans | Q1 2025vs Q1 2024 | $1.8B$1.63B |
Deposits | Q1 2025vs Q1 2024 | $2.02B$1.84B |
Equity Capital | Q1 2025vs Q1 2024 | $245.9MM$229.1MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $5.4MM$4.9MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $6.7MM$3.9MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $85K$103K |
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