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Credit union call report ยท Louisville, KY

L&N Federal Credit Union Call Report

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L&N Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 474 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

L&N Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number9260
Federal Reserve RSSD ID159588

The official copy: search charter number 9260 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

L&N Federal Credit Union call report, Q2 2026

Statement of Financial Condition (34 items)
L&N Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $18.6M
1b. Cash Items in Process of Collection AS0005 $4.1M
1c. Total Cash on Hand 730A $22.7M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $193.0M
2c. Cash on Deposit in Other Financial Institutions 730B2 $2.1M
2. Cash on Deposit (total) 730B $195.1M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $217.8M
9. Held-to-Maturity Debt Securities AS0073 $159.0M
11. TOTAL INVESTMENT SECURITIES AS0013 $159.0M
12b. Perpetual Contributed Capital 769B $1.5M
12c. All Other Investments AS0016 $22.9M
13. TOTAL OTHER INVESTMENTS AS0017 $24.4M
15a. Number of Total Loans and Leases 025A 33,489
15b. Total Loans and Leases 025B $2.07B
17. ACL on Loans and Leases AS0048 $6.8M
18c. Foreclosed/Repossessed - Vehicles AS0024 $127K
18e. Foreclosed/Repossessed Assets (total) 798A $127K
19. Land and Building 007 $64.0M
20. Other Fixed Assets 008 $11.1M
21. NCUA Share Insurance Capitalization Deposit 794 $18.3M
22d. Accrued Interest on Loans 009A $6.9M
22e. Accrued Interest on Investments 009B $822K
22f. All Other Assets 009C $79.1M
22g. Total Other Assets AS0036 $86.8M
23. TOTAL ASSETS 010 $2.65B
Accounts Payable and Other Liabilities 825 $28.6M
ACL on Off-Balance-Sheet Exposures LI0003 $75K
Borrowings (total) 860C $78.9M
Member Shares of All Types 013 $2.26B
Total Shares and Deposits 018 $2.26B
Undivided Earnings 940 $279.4M
Total Net Worth 997 $279.4M
Net Worth Ratio 998 10.55%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $2.65B
Statement of Income and Expense (26 items)
L&N Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $54.9M
3. Income from Investments 120 $5.0M
5. TOTAL INTEREST INCOME 115 $59.9M
6. Dividends on Shares 380 $24.8M
8. Interest on Borrowed Money 340 $1.3M
9. TOTAL INTEREST EXPENSE 350 $26.0M
10. NET INTEREST INCOME IS0010 $33.8M
12a. Credit Loss Expense - Loans and Leases IS0011 $969K
12e. Total Credit Loss Expense IS0017 $969K
13. Fee Income 131 $7.3M
14. Other Operating Income IS0020 $7.0M
18. Gain (Loss) on Disposition of Fixed Assets 430 -$160K
19. Gain (Loss) on Sale of Loans IS0029 $17K
23. TOTAL NON-INTEREST INCOME 117 $14.1M
24. Employee Compensation and Benefits 210 $17.2M
25. Travel and Conference 230 $235K
26. Office Occupancy 250 $2.8M
27. Office Operations 260 $3.4M
28. Educational and Promotional 270 $1.8M
29. Loan Servicing 280 $1.7M
30. Professional and Outside Services 290 $4.7M
31. Member Insurance 310 $2K
32. Operating Fees 320 $180K
33. Miscellaneous Operating Expense 360 $270K
34. TOTAL NON-INTEREST EXPENSE 671 $32.3M
35. NET INCOME 661A $14.7M
Statement pages - all other filed accounts (26 items)

delinquency (21%), credit cards (21%)

L&N Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $17.4M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $1.3M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $596K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $935K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $399K
Loans Granted Year-to-Date 031A $4K
Amount of Loans Granted Year-to-Date 031B $215.6M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $5.5M
Number of current members (not number of accounts) 083 122,957
Number of potential members 084 694,701
Net Member Business Loan Balance 400A $892.1M
Interest Rate of Unsecured Credit Card Loans 521 1,223.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,247.00%
Interest Rate of New Vehicle Loans 523 625.00%
Interest Rate of Used Vehicle Loans 524 768.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $677K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $73K
Total Amount of All Other Shares 630 $3.6M
Amount of Regular Shares 657 $461.2M
Balance Outstanding of All Interest Only & Payment Option 1st Mortgage Loans. 704C1 $95.6M
Amount of Share Drafts 902 $315.4M
IRA/KEOGH Accounts - < 1 Year 906A $116.3M
Share Certificates - < 1 Year 908A $616.3M
Total Amount of Share Certificates 908C $704.1M
Total Amount of Money Market Shares 911 $619.3M
Number of Used Vehicle Loans 968 5,510
NCUA form-section FS220A (29 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

L&N Federal Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $2.13B
Total Shares - 1-3 Years 013B1 $92.1M
Total Shares - > 3 Years 013B2 $36.7M
Total Shares and Deposits - < 1 Year 018A $2.13B
Total Shares and Deposits - 1-3 Years 018B1 $92.1M
Total Shares and Deposits - > 3 Years 018B2 $36.7M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 147
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $76.9M
Amount of New Vehicle Loans 385 $17.7M
Amount of Unsecured Credit Card Loans 396 $15.0M
Amount of All Other Unsecured Loans/Lines of Credit 397 $16.2M
Share Certificates 451 $17K
Number of Accounts for Share Drafts 452 90,419
IRA/KEOGH Accounts 453 $7K
Number of Accounts for Regular Shares 454 138,898
All other shares 455 $2K
Money Market Shares 458 $10K
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 265,934
Number of credit union employees who are Full-Time (26 hours or more) 564A 300
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 6
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $14.9M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,745.00%
Amount of real estate loans sold but serviced by the credit union 779A $146.8M
Total credit lines 881 $929.4M
Draws against lines of credit, less than 1 year 883A $3.2M
Draws against lines of credit, 1 to 3 years 883B1 $34.7M
Draws against lines of credit, more than 3 years 883B2 $41.0M
Draws against lines of credit, total amount 883C $78.9M
NCUA form-section FS220B (30 items)

maturity and repricing buckets (40%), credit cards (17%)

L&N Federal Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $10K
Number - Total Delinquent Credit Card Loans 045A 30
Total Amount of Delinquent Unsecured Credit Card Loans 045B $101K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $313.3M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $313.3M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $1.95B
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $3.6M
Amount of Regular Shares - < 1 Year 657A $461.2M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $182K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $22K
Fair value of Held to Maturity Securities 801 $152.5M
Total Borrowings - < 1 Year 860A $3.2M
Total Borrowings - 1-3 Years 860B1 $34.7M
Total Borrowings - > 3 Years 860B2 $41.0M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $315.4M
IRA/KEOGH Accounts - 1-3 Years 906B1 $25.5M
IRA/KEOGH Accounts - > 3 Years 906B2 $15.4M
Total Amount of IRA/KEOGH Accounts 906C $157.2M
Share Certificates - 1-3 Years 908B1 $66.6M
Share Certificates - > 3 Years 908B2 $21.3M
Money Market Shares - < 1 Year 911A $619.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $5.3M
Number of New Vehicle Loans 958 773
Total Shares 966 $266K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $8.6M
Number of Unsecured Credit Card Loans 993 9,498
Number of All Other Unsecured Loans/Lines of Credit 994 6,438
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 49
NCUA form-section FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

L&N Federal Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 25
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $389.6M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $66.1M
Outstanding balance of brokered certificates of deposit and share certificates 788 $33.0M
NCUA form-section FS220D (32 items)

member services and products offered (69%), CUSO relationships (27%)

L&N Federal Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union plan to add any new branches or expand existing facilities in the next 12 months? 566B $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
First Time Homebuyer Program 879B4 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Custodial Accounts PP0032 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (6 items)

loans and leases (32%), participation loans (18%)

L&N Federal Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Sold By Type 691N $33.6M
Number of Outstanding Int Only & Payment Option 1st Mtg Loans 704C2 1,607
Amount of Outstanding Int Only & Payment Option 1st Mtg Loans Granted YTD 704C3 $16.7M
Total Value of Investments in CUSOs 851 $119K
Assets Pledged to Secure Borrowings 878 $1.57B
Total Credit Lines at Corporate Credit Unions 884 $20.0M
NCUA form-section FS220H (3 items)

student loans (43%), delinquency (27%)

L&N Federal Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $257.9M
Total number of TDR loans outstanding 1000F $1
Total amount of TDR loans outstanding 1001F $320K
NCUA form-section FS220I (19 items)

vehicle lending (59%), delinquency (44%)

L&N Federal Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $77K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $674K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $64K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $223K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $80K
Amount of Used Vehicle Loans Delinquent >=360 days 023C2 $48K
Number of Reportable Delinquent New Vehicle Loans 035E1 4
Number of Reportable Delinquent Used Vehicle Loans 035E2 37
Amount of Reportable Delinquent New Vehicle Loans 041C1 $110K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $438K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $15K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $136K
Amount of New Vehicle Loans YTD Recoveries 551C1 $2K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $21K
Commercial Share Accounts 643 $126.2M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $756K
Total Other Credit Lines 884D $90.0M
Draws Against LOCs from FHLB 885A3 $78.9M
Total Draws Againts LOCs 885A4 $78.9M
NCUA form-section FS220J (5 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

L&N Federal Credit Union, NCUA form-section FS220J, Q2 2026
Line item Account Q2 2026
Other Investments 789D $36.6M
Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment 789E $31.9M
Other Assets - Other Non-insurance 789F $537K
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $69.0M
Amounts reported in Asset section of the Statement of Financial Condition to fund Charitable Donation Accounts 789H $11.8M
NCUA form-section FS220L (40 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

L&N Federal Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $33K
Total Amount of Loans & Leases on Loan Schedule 025B1 $2.07B
Total number of commercial loans to members granted or purchased YTD 090A1 $40
Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090H2 11
Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 090J2 18
Total Number of member commercial real estate secured loans granted or purchased YTD 090K2 $38
Number of Member Commercial and industrial loans granted or purchased YTD 090L2 2
Number of member commercial loans Secured by Multifamily Property granted or purchased YTD 090M 9
Number of member construction and development commercial loans 143A3 1
Outstanding balance of member construction and development commercial loans 143B3 $248K
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $196.7M
Amount of All Other Real Estate Loans/Lines of Credit 386B $87K
Total outstanding balance of commercial loans to members 400A1 $828.0M
Outstanding balance of Unsecured Member Commercial Loans 400C5 $119K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $84.7M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $601.5M
Outstanding balance of Member Commercial and Industrial loans 400L2 $1.5M
Outstanding balance of member commercial loans Secured Multifamily Property 400M $139.9M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $1.7M
Outstanding balance of all member and non-member commercial loans 400T1 $828.0M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $68.4M
Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD 475H2 $3.9M
Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD 475J2 $32.7M
Total Dollar amount of real estate secured member commercial loans granted or purchased YTD 475K2 $67.0M
Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD 475L2 $1.3M
Dollar Amount of Member Commercial loans Secured by Multifamily Property granted or purchased YTD 475M $30.4M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 498.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 587.60%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 707.00%
Interest Rate of All Other Real Estate Loans/Lines of Credit 562B 490.80%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 517.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 620.00%
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold 691N8 $33.6M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $10.6M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $912.1M
Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose 704A2 $3.4M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $826.4M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $826.4M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $23.1M
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 3
NCUA form-section FS220M (20 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

L&N Federal Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $159.6M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $42.9M
Total Unfunded Commitments for Commercial Loans 814K $40.9M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $1.3M
Total Unfunded Commitments for Non-Commercial Loans 816T $217.0M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $13.2M
Total number of member commercial loans 900A1 $376
Number of Member Unsecured Commercial Loans 900C5 2
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 75
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 214
Total number of real estate secured member commercial loans 900K2 $369
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 370
Number of Member Commercial and Industrial loans 900L2 5
Number of member commercial loans Secured by Multifamily Property 900M 79
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 7
Total Number of Member and Nonmember commercial loans 900T1 $376
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 5,841
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 4,356
Number of All Other Real Estate Loans/Lines of Credit 960B 2
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 694
NCUA form-section FS220N (6 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

L&N Federal Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $83.1M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $22.9M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $46.3M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $6.8M
Total Liabilities LI0069 $2.37B
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $2.65B
NCUA form-section FS220P (41 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

L&N Federal Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $304K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $12K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $366
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $319
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0017 $40K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien CH0018 $600
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $14K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $254.2M
Unsecured Credit Card Loans DL0002 $90K
All Other Unsecured Loans/Lines of Credit DL0022 $56K
All Other Unsecured Loans/Lines of Credit DL0023 $34K
All Other Unsecured Loans/Lines of Credit DL0024 $26K
All Other Unsecured Loans/Lines of Credit DL0026 $655
All Other Unsecured Loans/Lines of Credit DL0027 $61K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $19
New Vehicle Loans DL0030 $46K
Used Vehicle Loans DL0037 $86K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $39K
Delinquent Loans by Collateral Type - >=360 days - All Other Secured Non-Real Estate Loans/Lines of Credit DL0054 $404
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $404
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $15.2M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $2.0M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $834K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $486K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $866K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $4.1M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $40
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $952K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $425K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $150K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $30K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $19K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $624K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $16
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $2.6M
Amount of Consumer Loans in Non-Accrual Status DL0145 $2.8M
Off-Balance Sheet Exposures - Totally Unconditionally Cancelable Unfunded Commitments for All Loan Types LQ0013 $57.4M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Commercial Loans LQ0014 $40.9M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments - Consumer Loans - Secured and Real Estate LQ0015 $159.6M
Off-Balance Sheet Exposures - Conditionally Cancelable Unfunded Commitments -Total LQ0017 $200.5M
NCUA form-section FS220Q (40 items)

investment portfolio detail (69%)

L&N Federal Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Corporate Credit Unions LQ0035 $310.4M
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $819.4M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $1.26B
Total Borrowings LQ0860 $78.9M
Held-to-maturity Amortized Cost - US Government Obligations NV0001 $42.1M
Held-to-maturity Fair Value - US Government Obligations NV0002 $41.7M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0017 $10.3M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0018 $9.3M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $10.3M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $9.3M
Held-to-maturity Amortized Cost - Securities Issued by States and Political Subdivisions in the U.S. NV0069 $73.6M
Held-to-maturity Fair Value - Securities Issued by States and Political Subdivisions in the U.S. NV0070 $68.7M
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $33.0M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $32.8M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $159.0M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $159.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $11.8M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $11.1M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $1.5M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $24.4M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $94.9M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $34.0M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $46.3M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $6.8M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $1.5M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $183.4M
Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value NV0170 $32.0M
RBC Total Equity RB0001 $279.4M
RBC Allowance for Credit Losses RB0002 $6.9M
RBC Total Additions RB0005 $6.9M
RBC Total Deductions RB0009 $18.3M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $268.1M
RBC Risk-Based Capital Numerator RB0012 $268.1M
RBC Total for Risk Weighting Cash and Deposits in Financial Institutions or Reserve Banks RB0014 $217.8M
RBC Cash and Deposits in Financial Institutions or Reserve Banks 0% Weight RB0015 $19.2M
RBC Cash, Cash Equivalents, Deposits in Financial Institutions or Reserve Banks 20% Weight RB0016 $198.6M
RBC Total for Risk Weighting Securities RB0019 $159.0M
RBC Securities 0% Weight RB0020 $42.1M
RBC Securities 20% Weight RB0021 $33.0M
RBC Securities 50% Weight RB0022 $83.9M
NCUA form-section FS220R (109 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

L&N Federal Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
CCULR Off-Balance sheet exposures LR0002 $200.5M
CCULR Off-Balance sheet exposures ratio LR0003 757.00%
RBC Total for Risk Weighting Other Investments RB0029 $24.4M
RBC Other Investments 0% Weight RB0030 $5.7M
RBC Other Investments 20% Weight RB0031 $5.4M
RBC Other Investments 100% Weight RB0032 $11.8M
RBC Other Investments 150% Weight RB0033 $1.5M
RBC Schedule Total Investments RB0039 $183.4M
RBC Total for Risk Weighting Total Investments RB0041 $183.4M
RBC Total Investments 0% Weight RB0042 $47.8M
RBC Total Investments 20% Weight RB0043 $38.4M
RBC Total Investments 50% Weight RB0044 $83.9M
RBC Total Investments 100% Weight RB0045 $11.8M
RBC Total Investments 150% Weight RB0046 $1.5M
RBC Total for Risk Weighting First Lien Residential Real Estate Loans RB0052 $912.1M
RBC First Lien Residential Real Estate Loans 50% Weight RB0053 $892.8M
RBC First Lien Residential Real Estate Loans 100% Weight RB0055 $19.4M
RBC Total for Risk Weighting Junior Lien Residential Real Estate Loans RB0057 $196.7M
RBC Junior Lien Residential Real Estate Loans 100% Weight RB0058 $195.1M
RBC Junior Lien Residential Real Estate Loans 150% Weight RB0059 $1.6M
RBC Schedule Total Consumer Loans RB0060 $136.4M
RBC Total for Risk Weighting Consumer Loans RB0062 $136.4M
RBC Consumer Loans 0% Weight RB0063 $5.1M
RBC Consumer Loans 75% Weight RB0065 $98.8M
RBC Consumer Loans 100% Weight RB0066 $30.5M
RBC Consumer Loans 150% Weight RB0067 $2.0M
RBC Schedule Total Commercial Loans RB0068 $828.0M
RBC Total for Risk Weighting Commercial Loans RB0070 $828.0M
RBC Commercial Loans 100% Weight RB0073 $828.0M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $6.8M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $6.8M
RBC Schedule Total Loans RB0079 $2.07B
RBC Total for Risk Weighting Total Loans RB0081 $2.07B
RBC Total Loans 0% Weight RB0082 -$1.7M
RBC Total Loans 50% Weight RB0084 $892.8M
RBC Total Loans 75% Weight RB0085 $98.8M
RBC Total Loans 100% Weight RB0086 $1.07B
RBC Total Loans 150% Weight RB0087 $3.5M
RBC Schedule Total Other Assets RB0088 $180.3M
RBC Total for Risk Weighting Other Assets RB0090 $180.3M
RBC Other Assets 0% Weight RB0091 $18.3M
RBC Other Assets 100% Weight RB0092 $162.0M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $2.65B
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $2.65B
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $83.5M
RBC Total Risk Weighted On-Balance Sheet Assets 20% Weight RB0102 $237.0M
RBC Total Risk Weighted On-Balance Sheet Assets 50% Weight RB0103 $976.6M
RBC Total Risk Weighted On-Balance Sheet Assets 75% Weight RB0104 $98.8M
RBC Total Risk Weighted On-Balance Sheet Assets 100% Weight RB0105 $1.25B
RBC Total Risk Weighted On-Balance Sheet Assets 150% Weight RB0106 $5.0M
RBC Schedule Total Risk Weighted Assets - On-Balance Sheet RB0112 $1.86B
RBC Total Risk Weighted Assets - On-Balance Sheet 20% Weight RB0113 $47.4M
RBC Total Risk Weighted Assets On-Balance Sheet 50% Weight RB0114 $488.3M
RBC Total Risk Weighted Assets On-Balance Sheet 75% Weight RB0115 $74.1M
RBC Total Risk Weighted Assets On-Balance Sheet 100% Weight RB0116 $1.25B
RBC Total Risk Weighted Assets On-Balance Sheet 150% Weight RB0117 $7.5M
RBC Unfunded Commitment Commercial Loans Credit Equivalent Amount RB0123 $20.4M
RBC Unfunded Commitment Commercial Loans 100% Weight RB0124 $20.4M
RBC Unfunded Commitment Secured Consumer Loans Credit Equivalent Amount RB0125 $16.0M
RBC Unfunded Commitment Secured Consumer Loans 50% Weight RB0126 $16.0M
RBC Total Off-Balance Sheet and Derivative Credit Equivalent Amount RB0153 $36.4M
RBC Total Off-Balance Sheet and Derivative 50% Weight RB0158 $16.0M
RBC Total Off-Balance Sheet and Derivative 100% Weight RB0160 $20.4M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative RB0162 $28.4M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 50% Weight RB0166 $8.0M
RBC Total Risk-Weighted Assets Off-Balance-Sheet and Derivative 100% Weight RB0168 $20.4M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $2.68B
RBC Total Risk-Weighted Assets RB0171 $1.89B
RBC Total Risk Based Capital Ratio RB0172 1,416.00%
RBC Allowance for Credit Losses (Loans) RB0177 $6.8M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 840.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 105,844,369.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 7,605,777.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 619.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 39,679,400.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 2,414,997.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years RL0007 $16
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0008 $4.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years RL0009 $2.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $66
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $11.2M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less RL0012 $4.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 4,300.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 750,761,351.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 89,309,162.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $912.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $106.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 27.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 246,558.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Fixed Rate RL0024 2,692.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Fixed Rate RL0025 101,918,923.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Fixed Rate RL0026 19,137,009.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 1,637.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 94,555,114.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 35,152,668.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $196.7M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $54.3M
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Number of Loans Outstanding RL0035 2.00%
All Other (Non-commercial) Real Estate - Closed-End - Adjustable Rate - Amount of Loans Outstanding RL0036 87,099.00%
All Other (Non-commercial) Real Estate - Amount of Loans Outstanding - Total RL0044 $87K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $10K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $1.11B
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $160.5M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $497.5M
Total Shares SH0013 $2.26B
Total Shares and Deposits SH0018 $2.26B
Number of Loans Sold, Year-to-date SL0022 6
Amount of Loans Sold, Year-to-date SL0023 $827K
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 1,548
NCUA form-section FS220S (3 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

L&N Federal Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

L&N Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the L&N Federal Credit Union call report?

The L&N Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does L&N Federal Credit Union file?

L&N Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the L&N Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for L&N Federal Credit Union is 9260.

How often does L&N Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

L&N Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.