L&N EMPLOYEES
Charter #62356 · Birmingham, AL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 19.16% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -2.44% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 4.73% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.02% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.61% sits at the 90th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | L&N EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.02M | 86th pct | 11th pct |
| Members | 1,416 | 92th pct | 38th pct |
| Net worth ratio | 19.16% | 56th pct | 79th pct |
| Return on average assets | -2.44% | 9th pct | 0th pct |
| Net interest margin | 4.73% | 71th pct | 77th pct |
| Cost of funds | 0.02% | 13th pct | 2th pct |
| Loan-to-share | 62.38% | 55th pct | 52th pct |
| Delinquency 60+ days | 2.61% | 74th pct | 90th pct |
| Net charge-off ratio | -0.02% | 19th pct | 16th pct |
| Loan growth YoY | -6.37% | 43th pct | 21th pct |
| Share growth YoY | -0.01% | 49th pct | 34th pct |
| Efficiency ratio | 139.34% | 92th pct | 98th pct |
structural peer set hash: 3f36d95aa40522a5186610a517ddbd40… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.