Overview / Commentary
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
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional 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 Chartered | 1952 |
| Employees | 3 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.82% |
| Return on Equity - YTD | -10.81% |
| Annual Interest Income | $118K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $8.5MM$8.5MM |
| Loans | Q1 2025vs Q1 2024 | $4.8MM$5.3MM |
| Deposits | Q1 2025vs Q1 2024 | $7MM$7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $1.4MM$1.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $24K$41K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $25K$46K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $25K$25K |