Side-by-side · Q2 2026 data
L&n Employees Credit Union vs Blue Flame Credit Union
Credit union
L&n Employees Credit Union
Birmingham, Alabama · Under $100 million in assets
Metric by metric
| Measure | L&n Employees Credit Union | Blue Flame Credit Union |
|---|---|---|
| TellerScore | 52 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 48 (stronger) |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 68 | 100 (stronger) |
| Peer percentile | 11th | 89th |
| Total assets | $8.3M | $10.7M |
| Deposits / shares | $7.0M | $8.8M |
| Capital ratio | 18.19% (stronger) | 15.36% |
| Problem loans | 5.29% | 0.00% (stronger) |
| Net charge-offs | -0.03% | -0.05% (stronger) |
| Return on assets | -2.04% | 0.70% (stronger) |
| Loans ÷ deposits | 62.1% | 43.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Blue Flame Credit Union has the higher TellerScore (90 vs 52). On the 7 directional measures above (where higher or lower is clearly better), L&n Employees Credit Union leads on 2 and Blue Flame Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.