L&N Employees
Birmingham, AL · Charter 62356 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)
NCUA · 1 branch
Q2 2026
$8.3MAssets
$4.3MLoans
$7.0MShares
$1.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 72% of credit unions under $1B in assets in the Birmingham, AL area (rank 8 of 29).
- Widest gap: return on assets trails 100% of credit unions under $1B in assets in the Birmingham, AL area (rank 29 of 29).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-2.03%
Rank 29 of 29
Net Interest Margin
4.67%
Rank 8 of 29
Efficiency Ratio
133.86%
Rank 29 of 29
Equity / Assets
18.19%
Rank 9 of 29
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.03% | 0.26% | 0.65% | 1.06% | Beats 0% | 29 / 29 | | |
| Return on Equity | -11.19% | 2.33% | 4.15% | 7.02% | Beats 3% | 28 / 29 | | |
| Net Interest Margin | 4.67% | 3.29% | 3.80% | 4.67% | Beats 72% | 8 / 29 | | |
| Efficiency Ratio | 133.86% | 67.71% | 81.00% | 89.29% | Beats 3% | 29 / 29 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 5.28% | 0.40% | 1.03% | 1.72% | Beats 17% | 25 / 29 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.19% | 10.13% | 13.97% | 19.12% | Beats 69% | 9 / 29 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.19% | 10.13% | 13.97% | 19.12% | Beats 69% | 9 / 29 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.09% | 40.72% | 55.53% | 68.24% | 59th pctl | 12 / 29 | | |
| Loans / Assets | 52.54% | 35.46% | 45.52% | 58.70% | 66th pctl | 10 / 29 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |