Sep, 30, 2025 — L & N FEDERAL CREDIT UNION is a federal credit union headquartered in LOUISVILLE, KY with 25 branch locations and about $2.43 billion in total assets. Opened 72 years ago in 1954, L & N FEDERAL CREDIT UNION has about 119,731 members and employs 302 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | L & N FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 9115 Smyrna Pkwy LOUISVILLE, KY 40229-1578 |
| Phone: | (502) 368-5858 |
| Fax: | (502) 515-8390 |
| Website: | https://www.lnfcu.com |
| Branches: | 25 branch locations |
| Members: | 119,731 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 9260 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1954 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $2,425,291,283 |
| CEO/Manager: | Christopher S Brown |
| Chairperson: | Gary C Lord |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 181,626,360 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,753,686,006 |
| Unsecured Loans | 28,568,348 |
| Other Loans | 106,551,591 |
| TOTAL LOANS | 1,888,891,752 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -5,984,567 |
| Land And Building | 54,090,483 |
| Other Fixed Assets | 15,519,312 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 17,945,786 |
| All Other Assets | 595,704 |
| TOTAL ASSETS | 2,425,291,283 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 72,007,132 |
| Accounts Payable & Other Liabilities | 31,164,863 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 297,604,210 |
| Regular shares | 462,134,406 |
| All Other Shares & Deposits | 1,304,056,029 |
| TOTAL SHARES & DEPOSITS | 2,063,794,645 |
| TOTAL LIABILITIES | 2,167,041,640 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 258,249,643 |
| TOTAL EQUITY | 258,249,643 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 2,425,291,283 |
| INCOME & EXPENSE | |
| Loan Income | 72,134,663 |
| Investment Income | 8,493,844 |
| Other Income | 9,601,506 |
| Total Employee Compensation & Benefits | 24,245,751 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 21,424,918 |
| Non-operating Income & (Expense) | 28,409 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,681,000 |
| Cost of Funds | 35,882,490 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 17,224,437 |
| ↑ Back to Top | |