Louisville, Kentucky · Peer group 6
L & N Credit Union
L & N Credit Union holds $2.58B in assets across 121,597 members as of Q1 2026 — about $21K of assets per member, on a charter dating to 1954. Charter number 9260, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $2.58B |
|---|---|
| Total loans | $2.01B |
| Total shares (deposits) | $2.20B |
| Net worth | $271.9M |
| Members | 121,597 |
| Assets per member | $21K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 9.7% | |
|---|---|---|
| Loans | 11.7% | around the 88th percentile of its peer group |
| Deposits | 9.1% | around the 86th percentile of its peer group |
| Members | 3.4% | around the 72nd 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 | 91.2% | around the 71st percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.5% | around the 48th percentile of its peer group |
| Return on assets | 1.11% | around the 79th percentile of its peer group |
| Delinquency ratio | 0.21% | lower than 90% of its peer group |
| Cash / assets | 8.5% | around the 51st percentile of its peer group |
| Borrowings / assets | 3.1% | around the 64th percentile of its peer group |
What this page does not show
Everything above is L & N 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 Kentucky — the comparison set a peer ratio is measured against.
- Abound Credit Union
Radcliff, KY
$2.72B · 115,025 members
- Commonwealth Credit Union
Frankfort, KY
$2.83B · 144,367 members
- University of Kentucky Credit Union
Lexington, KY
$1.69B · 112,948 members
- Park Credit Union
Louisville, KY
$1.45B · 80,908 members
- Transcend Credit Union
Louisville, KY
$589.4M · 50,358 members
- Members Heritage Credit Union
Lexington, KY
$583.6M · 54,828 members
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