L&N EMPLOYEES
State-Chartered • Birmingham, Alabama • Est. 1952
Quick Facts
- Charter Number
- #62356
- Type
- State-Chartered
- Established
- 1952
- Headquarters
- Birmingham, Alabama 35217
- Address
- 4101 Vanderbilt Rd
- Branches
- 1
- Members
- 1,417
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Below-average financial health. Net worth ratio may be approaching regulatory minimums. Members' deposits remain insured up to $250,000.
Financial Overview
Total Assets
Members
1,417 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | L&N EMPLOYEES |
|---|---|
| Total Assets | $8.0M |
| Members | 1,417 |
| Loans Outstanding | $4.4M |
| Shares & Deposits | $6.7M |
| Net Worth | $1.6M |
| Net Worth Ratio | 19.84% |
| Loan-to-Share Ratio | 66.3% |
| Delinquency Rate | 3.97% |
| Net Income | $-162,178 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
L & N Credit Union
Main Office4101 Vanderbilt Rd
Birmingham, AL 35217
Who Can Join L&N EMPLOYEES?
Membership Type: Community
Membership eligibility for L&N EMPLOYEES may vary. Contact the credit union directly to confirm qualification requirements.
Contact L&N EMPLOYEES directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Alabama RankingsFrequently Asked Questions
Yes. L&N EMPLOYEES 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 EMPLOYEES has 1,417 members and a potential membership field of 4,000 people.
L&N EMPLOYEES's net worth ratio is 19.84% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 19.8%, L&N EMPLOYEES meets this threshold.
L&N EMPLOYEES operates 1 branch location. The main office is located at 4101 Vanderbilt Rd, Birmingham, AL 35217.
L&N EMPLOYEES was established in 1952. It is a state-chartered credit union chartered under charter number 62356. The institution has been serving members for 74 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 EMPLOYEES. All financial data is for informational purposes only.