TellerScore

Headquartered in Louisville, Kentucky, L & N Federal Credit Union is a federal credit union with $2.6B in total assets and $2.3B in member shares and deposits as of Q2 2026. It operates 25 offices across 2 states. Its charter dates back to 1954.

L & N Federal Credit Union has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 454 credit unions with $1 billion – $10 billion. Among 51 credit unions headquartered in Kentucky, it ranks 26th. Problem-loan coverage contributes the most (96/100, 2.0%); capital cushion contributes the least (56/100, 10.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Net worth ratio: 10.55%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.26%
Earnings64/100
Return on assets (annualized): 1.11%
Funding & liquidity69/100
Loans ÷ shares: 91.7% · 13.9% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.01%

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 rose 3 points (69 → 72), mostly because the earnings component improved by 9 points.

TellerScore
667073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202466
Q4 202466
Q1 202569
Q2 202569
Q3 202571
Q4 202570
Q1 202673
Q2 202672
Net worth ratio
7.00%8.87%10.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.65%
Q3 202410.62%
Q4 202410.66%
Q1 202510.44%
Q2 202510.45%
Q3 202510.65%
Q4 202510.73%
Q1 202610.53%
Q2 202610.55%
Delinquent loans (60+ days)
0.21%0.37%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.39%
Q3 20240.49%
Q4 20240.52%
Q1 20250.37%
Q2 20250.41%
Q3 20250.32%
Q4 20250.32%
Q1 20260.21%
Q2 20260.26%
Return on assets
0.54%0.83%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.62%
Q4 20240.66%
Q1 20250.82%
Q2 20250.87%
Q3 20250.95%
Q4 20250.96%
Q1 20261.11%
Q2 20261.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$2.6B10.55%0.26%1.11%91.7%
Q1 202673$2.6B10.53%0.21%1.11%91.2%
Q4 202570$2.5B10.73%0.32%0.96%93.8%
Q3 202571$2.4B10.65%0.32%0.95%91.5%
Q2 202569$2.4B10.45%0.41%0.87%88.9%
Q1 202569$2.4B10.44%0.37%0.82%89.0%
Q4 202466$2.3B10.66%0.52%0.66%92.0%
Q3 202466$2.2B10.62%0.49%0.62%91.3%
Q2 202467$2.2B10.65%0.39%0.54%90.0%

454 peers · $1 billion – $10 billion

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).

Capital ratio10.55%
42nd
Problem loans0.26%
92nd
Net charge-offs0.06%
97th
Return on assets1.11%
74th
Loans to deposits91.7%
38th
Uninsured deposits13.9%
17th
Loan-loss reserves0.00%
50th
Texas ratio2.0%
87th

Similar-size credit unions in Kentucky

InstitutionScoreAssetsCapitalProblem loansCompare
Abound Federal Credit UnionCredit union Radcliff, KY81 out of 100, Strong$2.8B15.8%0.81%vs
Commonwealth Federal Credit UnionCredit union Frankfort, KY73 out of 100, Strong$2.9B11.3%0.87%vs
University of Kentucky Federal Credit UnionCredit union Lexington, KY57 out of 100, Moderate$1.8B10.9%0.97%vs
Park Federal Credit UnionCredit union Louisville, KY63 out of 100, Moderate$1.4B17.9%2.00%vs

Deposit insurance

Is my money safe at L & N Federal Credit Union?

Yes. L & N Federal Credit Union is a federally insured credit union (NCUA charter #9260). 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 13.9% of shares and deposits ($313.3M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.55%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

25 locations

Branches

L & N Federal Credit Union lists 25 offices in 11 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, L & N Federal Credit Union reported 2,122 home-loan applications under HMDA (LEI 549300OHIEQGELZVJP60): 1,668 originated ($263,730,000 total), 162 denied, and 260 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
L & N Federal Credit Union
Type
Federal credit union
NCUA charter #
9260
RSSD ID
159588
Primary regulator
NCUA
Established
1954
Headquarters
9115 Smyrna Pkwy, Louisville, KY 40229
Employees
306

Quick answers

L & N Federal Credit Union: common questions

Is L & N Federal Credit Union NCUA insured?

Yes. L & N Federal Credit Union is a federally insured credit union (NCUA charter #9260). 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 Federal Credit Union's TellerScore?

72 out of 100 (Strong), 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 Federal Credit Union have?

25 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Louisville

InstitutionScoreAssetsCapitalProblem loansCompare
The Lincoln National Bank of HodgenvilleBank Hodgenville, KY86 out of 100, Very strong$454.4M14.9%0.43%vs
Advanz Federal Credit UnionCredit union Louisville, KY85 out of 100, Very strong$161.6M15.6%0.54%vs
Republic Bank & Trust CompanyBank Louisville, KY84 out of 100, Strong$7.1B14.8%0.56%vs
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