L&N Employees Credit Union
Major Rating Factors:
A current level of 19.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.8).
Other Rating Factors:
Good liquidity 5.8, driven by a liquidity ratio of 57.4 percent and a “hot money” ratio of 8.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (32%), home mtgs (12%), other (56%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
4101 Vanderbilt Road
Birmingham, AL 35217
Birmingham, AL 35217
Phone Number
(205) 841-2544
NCUA Charter Number
Website
Largest Competitors
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL