Birmingham, Alabama · Peer group 2
L&n Employees Credit Union
L&n Employees Credit Union holds $8.0M in assets across 1,416 members as of Q1 2026 — about $6K of assets per member, on a charter dating to 1952. Charter number 62356, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $8.0M |
|---|---|
| Total loans | $4.2M |
| Total shares (deposits) | $6.7M |
| Net worth | $1.5M |
| Members | 1,416 |
| Assets per member | $6K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -5.4% | |
|---|---|---|
| Loans | -12.9% | around the 26th percentile of its peer group |
| Deposits | -3.5% | around the 39th percentile of its peer group |
| Members | -1.0% | around the 57th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 62.4% | around the 50th percentile of its peer group |
|---|---|---|
| Net worth ratio | 19.2% | around the 58th percentile of its peer group |
| Return on assets | -2.43% | lower than 95% of its peer group |
| Delinquency ratio | 2.61% | around the 78th percentile of its peer group |
| Cash / assets | 28.0% | around the 81st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is L&n Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Alabama — the comparison set a peer ratio is measured against.
- Fireman's Credit Union
BIRMINGHAM, AL
$7.3M · 962 members
- Marvel City Credit Union
BESSEMER, AL
$9.2M · 947 members
- Alabama Postal Credit Union
Birmingham, AL
$6.4M · 915 members
- Montgomery VA Credit Union
MONTGOMERY, AL
$6.0M · 729 members
- Birmingham City Credit Union
Birmingham, AL
$10.2M · 2,661 members
- Opp-Micolas Credit Union
OPP, AL
$10.4M · 1,622 members
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