Charter 9260 · Louisville, KY
L & N Federal Credit Union
L & N Federal Credit Union is a federally chartered credit union in Louisville, Kentucky, with $2.65 billion in assets and 122,957 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.55%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $2.65 billion
- +10.0% in a year
- Members
- 122,957
- +3.6% in a year
- Net worth ratio
- 10.55%
- Peer median 10.79%
- Loans 60+ days late
- 0.26%
- Peer median 0.67%
- Loans outstanding
- $2.07 billion
- +13.5% in a year
- Shares and deposits
- $2.26 billion
- +10.1% in a year
- Branches
- 25
- 306 employees
- Opened
- 1954
- Federal charter
How L & N Federal Credit Union compares
NCUA groups credit unions by size; L & N Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.55% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.26%, is lower than the group median of 0.67%. Loans grew 13.5% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 3 of 51 credit unions headquartered in Kentucky. See all Kentucky credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $2.65 billion | 122,957 | $2.07 billion | 10.55% | 0.26% |
| Q1 2026 | $2.58 billion | 121,597 | $2.01 billion | 10.53% | 0.21% |
| Q4 2025 | $2.47 billion | 120,488 | $1.97 billion | 10.73% | 0.32% |
| Q3 2025 | $2.43 billion | 119,731 | $1.89 billion | 10.65% | 0.32% |
| Q2 2025 | $2.41 billion | 118,703 | $1.83 billion | 10.45% | 0.41% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 694,701 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 28 sites for L & N Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Smyrna Admin
9265 Smyrna Pkwy, Louisville, KY 40229 - SOUTHERN PARKWAY
4700 Southern Pkwy, Louisville, KY 40214 - DOWNTOWN
200 W Chestnut St, Louisville, KY 40202 - HIKES POINT
3099 Breckenridge Ln Ste 109, Louisville, KY 40220 - SMYRNA
9201 Smyrna Pkwy, Louisville, KY 40229 - DIXIE
7412 Dixie Hwy, Louisville, KY 40258 - OLD BROWNSBORO CROSSING
9731 Von Allmen Ct, Louisville, KY 40241 - MIDDLETOWN WAL-MART
12981 Shelbyville Rd, Louisville, KY 40243 - VETERANS PARKWAY
1450 Veterans Pkwy Ste 100, Jeffersonville, IN 47130 - SOUTH CORBIN
1843 Cumberland Falls Hwy, Corbin, KY 40701 - LONDON DOWNTOWN
101 Spring St, London, KY 40741 - SOMERSET
2599 S Highway 27, Somerset, KY 42501 - WILLIAMSBURG WAL-MART
589 W Highway 92, Williamsburg, KY 40769 - ERLANGER
822 Donaldson Hwy, Erlanger, KY 41018 - SMYRNA ADMIN NORTH
9203 Smyrna Pkwy, Louisville, KY 40229 - FT MITCHELL
3425 Valleyplaza Pkwy, Ft Wright, KY 41017 - Mount Washington
129 Davis Dr, Mount Washington, KY 40047 - CRESTWOOD WAL-MART
6501 Veterans Memorial Pkwy, Crestwood, KY 40014 - LONDON SOUTH
120 Wendon Way, London, KY 40741 - JEFFERSONTOWN
12629 Taylorsville Rd, Louisville, KY 40299 - Stonybrook
2601 S Hurstbourne Pkwy, Louisville, KY 40220 - New Albany
2865 Charlestown Rd, New Albany, IN 47150 - Corporate Office (main office)
9115 Smyrna Pkwy, Louisville, KY 40229 - North Corbin
360 W Cumberland Gap Pkwy, Corbin, KY 40701 - JEFFERSON RIDGE
3524 E 10Th St, Jeffersonville, IN 47130 - Shepherdsville
262 Adam Shepherd Pkwy, Shepherdsville, KY 40165 - LAGRANGE
2024 S Highway 53, Lagrange, KY 40031 - Fern Creek
6410 Bardstown Rd, Louisville, KY 40291
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology