L & N Credit Union Profile

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L & N

Charter #9260 | NCUA Region 2 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (502) 368-5858

Fax: (502) 515-8390

Founding Date: N/A

Website: http://www.lnfcu.com

Personnel & Operations

President: Lord, Gary

Manager: Brown, Christopher

FT Employees: 301

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 14.25%

Membership Type: 98

Branches: 24

Hours: M - F 8:30 - 5:00

Credit Union Profile Summary

L & N is a FCU Credit Union. With a total of 118,703 members ^[1], this institution manages approximately $2,406,794,317 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.45% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 9.47% ^[1].

Financial Snapshot

Total Assets ^[1]

$2,406,794,317

Total economic resources.

Total Loans ^[1]

$1,826,087,130

Total value of outstanding loans.

Total Deposits ^[1]

$2,054,002,685

Total funds deposited by members.

Members ^[1]

118,703

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.45%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.89%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

88.90%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 10.40%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 9.47%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 3.20%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

9115 Smyrna Pkwy

Louisville, KY, 40229-1578

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 24 branches reported by L & N (Charter #9260).

Main Office

Corporate Office Main Office

Type: Corporate Office

9115 Smyrna Pkwy

Louisville, KY 40229-1578

Phone: (502) 368-5858

Services: None specified

L & N Credit Union Profile

L & N

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

Corporate Office Main Office

Additional Branches

Corbin

Crestwood

Erlanger

Ft Wright

Jeffersonville

London

Louisville

Mount Washington

New Albany

Somerset

Williamsburg