L & N
Federal • Louisville, Kentucky • Est. 1954
Quick Facts
- Charter Number
- #9260
- Type
- Federal
- Established
- 1954
- Headquarters
- Louisville, Kentucky 40229-1578
- Address
- 9115 Smyrna Pkwy
- Branches
- 28
- ATMs
- 25
- Members
- 120,488
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
120,488 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | L & N |
|---|---|
| Total Assets | $2.5B |
| Members | 120,488 |
| Loans Outstanding | $2.0B |
| Shares & Deposits | $2.1B |
| Net Worth | $264.8M |
| Net Worth Ratio | 10.73% |
| Loan-to-Share Ratio | 93.8% |
| Delinquency Rate | 0.32% |
| Net Income | +$26,364,636 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
28 locations · 25 ATMs
Smyrna Admin
9265 SMYRNA PKWY
LOUISVILLE, KY 40229
SOUTHERN PARKWAY
4700 SOUTHERN PKWY
LOUISVILLE, KY 40214
DOWNTOWN
200 W CHESTNUT ST
LOUISVILLE, KY 40202
HIKES POINT
3099 BRECKENRIDGE LN STE 109
LOUISVILLE, KY 40220
SMYRNA
9201 SMYRNA PKWY
LOUISVILLE, KY 40229
Who Can Join L & N?
Membership Type: Occupational
Membership eligibility for L & N may vary. Contact the credit union directly to confirm qualification requirements.
Contact L & N directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Kentucky RankingsFrequently Asked Questions
Yes. L & N is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, L & N has 120,488 members and a potential membership field of 694,701 people.
L & N's net worth ratio is 10.73% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.7%, L & N meets this threshold.
L & N operates 28 branch locations and has access to 25 ATMs. The main office is located at 9115 Smyrna Pkwy, Louisville, KY 40229-1578.
L & N was established in 1954. It is a federal credit union chartered under charter number 9260. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or L & N. All financial data is for informational purposes only.