Headquartered in Birmingham, Alabama, L&n Employees Credit Union is a federally insured state-chartered credit union with $8.3M in total assets and $7.0M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1952.
Based on its Q2 2026 filing, L&n Employees Credit Union scores 52/100, which we describe as below average. That is higher than only 11% of 2,479 credit unions with under $100 million in assets. Among 88 credit unions headquartered in Alabama, it ranks 82nd. Its strongest component is capital cushion (100/100; 18.19%), and its lowest is earnings (0/100; -2.04%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 22 points (74 → 52), mostly because the loan quality component weakened by 83 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 66 |
| Q4 2024 | 65 |
| Q1 2025 | 73 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 52 |
| Q1 2026 | 56 |
| Q2 2026 | 52 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 21.17% |
| Q3 2024 | 21.52% |
| Q4 2024 | 21.34% |
| Q1 2025 | 20.16% |
| Q2 2025 | 19.64% |
| Q3 2025 | 19.89% |
| Q4 2025 | 19.84% |
| Q1 2026 | 19.16% |
| Q2 2026 | 18.19% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.42% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.58% |
| Q4 2025 | 3.97% |
| Q1 2026 | 2.61% |
| Q2 2026 | 5.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.33% |
| Q3 2024 | -0.76% |
| Q4 2024 | -1.14% |
| Q1 2025 | -1.79% |
| Q2 2025 | -1.95% |
| Q3 2025 | -1.84% |
| Q4 2025 | -2.03% |
| Q1 2026 | -2.43% |
| Q2 2026 | -2.04% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $8.3M | 18.19% | 5.29% | -2.04% | 62.1% |
| Q1 2026 | 56 | $8.0M | 19.16% | 2.61% | -2.43% | 62.4% |
| Q4 2025 | 52 | $8.0M | 19.84% | 3.97% | -2.03% | 66.3% |
| Q3 2025 | 74 | $8.2M | 19.89% | 0.58% | -1.84% | 66.6% |
| Q2 2025 | 74 | $8.5M | 19.64% | 0.51% | -1.95% | 68.4% |
| Q1 2025 | 73 | $8.5M | 20.16% | 0.53% | -1.79% | 69.2% |
| Q4 2024 | 65 | $8.2M | 21.34% | 1.42% | -1.14% | 73.0% |
| Q3 2024 | 66 | $8.3M | 21.52% | 1.26% | -0.76% | 74.6% |
| Q2 2024 | 72 | $8.6M | 21.17% | 0.72% | -0.33% | 75.5% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Alabama
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Marvel City Federal Credit UnionCredit union Bessemer, AL | 80 out of 100, Strong | $9.0M | 18.2% | 1.02% | vs |
| Fireman'S Credit UnionCredit union Birmingham, AL | 81 out of 100, Strong | $7.4M | 35.9% | 0.80% | vs |
| Birmingham City Credit UnionCredit union Birmingham, AL | 76 out of 100, Strong | $9.7M | 18.9% | 0.92% | vs |
| Alabama Postal Credit UnionCredit union Birmingham, AL | 96 out of 100, Very strong | $6.4M | 44.5% | 0.28% | vs |
| Opp-Micolas Credit UnionCredit union Opp, AL | 67 out of 100, Moderate | $10.4M | 25.2% | 1.46% | vs |
| Blue Flame Credit UnionCredit union Mobile, AL | 90 out of 100, Very strong | $10.7M | 15.4% | 0.00% | vs |
Deposit insurance
Is my money safe at L&n Employees Credit Union?
Yes. L&n Employees Credit Union is a federally insured credit union (NCUA charter #62356). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 18.19%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
L&n Employees Credit Union lists 1 office in 1 city. Most locations:
- Birmingham, AL (1)
Identity & history
Profile
- Legal name
- L&n Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62356
- RSSD ID
- 222697
- Primary regulator
- State + NCUA
- Established
- 1952
- Headquarters
- 4101 Vanderbilt Rd, Birmingham, AL 35217
- Employees
- 3
Quick answers
L&n Employees Credit Union: common questions
Is L&n Employees Credit Union NCUA insured?
Yes. L&n Employees Credit Union is a federally insured credit union (NCUA charter #62356). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is L&n Employees Credit Union's TellerScore?
52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does L&n Employees Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Birmingham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Omaha Public Power Dist Emp Federal Credit UnionCredit union Omaha, NE | 98 out of 100, Very strong | $34.8M | 25.2% | 0.00% | vs |
| Alabama Postal Credit UnionCredit union Birmingham, AL | 96 out of 100, Very strong | $6.4M | 44.5% | 0.28% | vs |
| Rocket City Federal Credit UnionCredit union Huntsville, AL | 94 out of 100, Very strong | $69.1M | 17.3% | 0.17% | vs |
| Acipco Federal Credit UnionCredit union Birmingham, AL | 94 out of 100, Very strong | $221.5M | 14.4% | 0.21% | vs |
| Coosa Pines Federal Credit UnionCredit union Childersburg, AL | 88 out of 100, Very strong | $420.8M | 16.2% | 0.87% | vs |
| Railroad Credit UnionCredit union Irondale, AL | 87 out of 100, Very strong | $100.6M | 14.4% | 0.07% | vs |