Credit Union Safety Analysis
Is L&N Credit Union Safe? Birmingham, Alabama
Based on its Q2 2026 NCUA 5300 call report, L&N Credit Union has a net worth ratio of 18.19%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 5.29%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, L&N Credit Union's net worth ratio is 18.19%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 18.19%
- Delinquency ratio (60+ days) (Q2 2026): 5.29%
- Return on assets (Q2 2026): -1.71%
- Loan-to-share ratio (Q2 2026): 62.09%
L&N Credit Union (NCUA charter 62356, established 1952) reported $8.3M in assets and 1,413 members for Q2 2026 from Birmingham, Alabama. It ranks 72 of 87 credit unions in Alabama by total assets. Total assets fell 2.6% from $8.5M on June 30, 2025. It has 20 fewer members than on June 30, 2025 (-1.4%). Its net worth ratio was down 1.45 percentage points from 19.64% on June 30, 2025. Used vehicle loans are its largest loan category, $1.1M of $4.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 5.29% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 19.16% for Q1 2026; 19.64% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.61% for Q1 2026; 0.51% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -2.43% for Q1 2026; -2.11% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 62.38% for Q1 2026; 68.44% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.1M
- New vehicle loans: $1.1M
- 1- to 4-family residential and other consumer real estate loans: $1.1M
- Other secured non-real estate loans and lines of credit: $629K
- Unsecured credit card loans: $250K
- Other unsecured loans and lines of credit: $203K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $8.3M | 18.19% | 5.29% | -1.71% | 62.09% |
| March 31, 2026 | $8.0M | 19.16% | 2.61% | -2.43% | 62.38% |
| December 31, 2025 | $8.0M | 19.84% | 3.97% | -2.44% | 66.29% |
| September 30, 2025 | $8.2M | 19.89% | 0.58% | -1.50% | 66.62% |
| June 30, 2025 | $8.5M | 19.64% | 0.51% | -2.11% | 68.44% |
| March 31, 2025 | $8.5M | 20.16% | 0.53% | -1.79% | 69.15% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 62356) · FFIEC NIC profile (RSSD 222697)
Frequently asked questions
Is L&N Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, L&N Credit Union's net worth ratio is 18.19%, above the 7% NCUA threshold for well capitalized.
Is L&N Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. L&N Credit Union is a federally insured credit union (NCUA charter 62356): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are L&N Credit Union's key safety ratios?
For Q2 2026, L&N Credit Union reports net worth 18.19%, delinquency 5.29%, ROA -1.71%, loan-to-share 62.09%.
What happens to my money if L&N Credit Union fails?
For Q2 2026, L&N Credit Union held $7.0M in shares and deposits for 1,413 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.