L&n Employees

Birmingham, AL · 2 · Charter #62356 · www.mylncu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$8.0M
36th percentile
Members
1,417
50th percentile
Total loans
$4.4M
40th percentile
Total shares
$6.4M
36th percentile

Profitability

Return on assets
-2.03%
3th percentile
Net interest margin
5.16%
86th percentile
Efficiency ratio
118.03%
3th percentile
Non-interest income ratio
16.36%
74th percentile

Capital & Risk

Net worth ratio
19.84%
73th percentile
Delinquency rate
3.97%
10th percentile
Net charge-off rate
-0.02%
93th percentile
Loan-to-share
68.87%
62th percentile

Growth

Member growth YoY
-0.70%
58th percentile
Asset growth YoY
-2.41%
28th percentile
Loan growth YoY
-9.73%
25th percentile
Share growth YoY
-0.60%
43th percentile

Operations

Members / branch
709
34th percentile
Assets / member
$5,640
21th percentile
Field of membership penetration
35.43%
49th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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