L & N

Louisville, KY · 1 · Charter #9260 · www.lnfcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.5B
57th percentile
Members
120,488
51th percentile
Total loans
$2.0B
63th percentile
Total shares
$2.1B
59th percentile

Profitability

Return on assets
0.98%
48th percentile
Net interest margin
2.45%
10th percentile
Efficiency ratio
45.04%
76th percentile
Non-interest income ratio
20.21%
62th percentile

Capital & Risk

Net worth ratio
10.73%
48th percentile
Delinquency rate
0.32%
88th percentile
Net charge-off rate
0.08%
96th percentile
Loan-to-share
93.80%
63th percentile

Growth

Member growth YoY
3.22%
60th percentile
Asset growth YoY
9.21%
76th percentile
Loan growth YoY
11.01%
83th percentile
Share growth YoY
8.89%
75th percentile

Operations

Members / branch
4,820
14th percentile
Assets / member
$20,486
70th percentile
Field of membership penetration
17.34%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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