L&N Employees
L&N Employees is a credit union based in Birmingham, Alabama, established in 1952, with $8 million in total assets serving 1,416 members. By Trust Grade it ranks 85th of 89 credit unions we track in Alabama. Its net worth ratio of 19.2% is stronger than 75% of similarly sized credit unions, versus a Alabama median of 14.2%. It posted a loss over the most recent period (-2.43% return on assets), a point to watch. No consumer complaints against L&N Employees appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How L&N Employees compares to Alabama peers
How we graded L&N Employees
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (19.2% capital ratio)
- Unprofitable over the period (ROA -2.43%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for L&N Employees over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at L&N Employees insured?
Yes. L&N Employees is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
L&N Employees: frequently asked questions
Is L&N Employees a good credit union?
L&N Employees earns a Bankzia Trust Grade of C (73/100, "Average"), based on a financial-strength score of 73/100 (it has no CFPB complaints on record). Strongly capitalized (19.2% capital ratio); Unprofitable over the period (ROA -2.43%).
Is L&N Employees NCUA-insured?
Yes. L&N Employees is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is L&N Employees?
L&N Employees holds $8 million in total assets, ranking 85th of 89 credit unions we track in Alabama. It serves 1,416 members.
Does L&N Employees have CFPB complaints?
No CFPB complaints against L&N Employees appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
