L & N
Charter #9260 · Louisville, KY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.14% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.62% sits at the 23rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.21% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.07% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 67.44% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.58B | 57th pct | 69th pct |
| Members | 121,597 | 50th pct | 70th pct |
| Net worth ratio | 10.53% | 45th pct | 39th pct |
| Return on average assets | 1.14% | 79th pct | 80th pct |
| Net interest margin | 2.62% | 12th pct | 23th pct |
| Cost of funds | 2.31% | 79th pct | 74th pct |
| Loan-to-share | 91.16% | 65th pct | 52th pct |
| Delinquency 60+ days | 0.21% | 9th pct | 20th pct |
| Net charge-off ratio | 0.07% | 3th pct | 11th pct |
| Loan growth YoY | 6.31% | 88th pct | 87th pct |
| Share growth YoY | 6.73% | 81th pct | 79th pct |
| Efficiency ratio | 67.44% | 30th pct | 25th pct |
structural peer set hash: 4d024f6e681b775184c8996311dfbfb5… (reproducible)
Closest structural peers
This is the free public view
Claim L & N
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.