L&N Credit Union

L&N Credit Union


Overview / Commentary
205-841-2544
4101 Vanderbilt Rd
Birmingham, AL 35217

L&N Credit Union is headquartered in Birmingham and is the 75th largest credit union in the state of Alabama. It is also the 3,730th largest credit union in the nation. It was established in 1952 and as of March of 2025, it had grown to 3 employees and 1,430 members at 1 location. L&N Credit Union has a B health rating.

Field of Membership Restrictions

Employment by a sponsoring company. Once you become a member you are always eligible, even if you leave the sponsoring company. Family relationship, by blood or marriage, to a current member.
See current membership details

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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. L&N Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #62356
Year Chartered1952
Employees3
Primary Regulator
Profit Margin
Return on Assets - YTD-1.82%
Return on Equity - YTD-10.81%
Annual Interest Income$118K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$8.5MM$8.5MM
LoansQ1 2025vs Q1 2024$4.8MM$5.3MM
DepositsQ1 2025vs Q1 2024$7MM$7MM
Equity CapitalQ1 2025vs Q1 2024$1.4MM$1.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$24K$41K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$25K$46K
Real Estate OwnedQ1 2025vs Q1 2024$25K$25K
Rates

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Locations


L&N Credit Union Locations
Branch Office4101 Vanderbilt RdBirmingham, AL 35217

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