L & N Credit Union
501(c)(14)
Only null% goes to programs Strong reserves
L & N Credit Union is a 501(c)(14) organization based in Birmingham, Alabama, registered in 1971, with $581,891 in FY2025 revenue. CharityIndex grades it D.
4101 Vanderbilt Rd, Birmingham, AL, 35217 EIN 63-0371534 Since 1971
Revenue (FY2025)
$582K
▼ 4.3% vs prior year
Expenses (FY2025)
$744K
Net assets
$1.6M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
D
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for L & N Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
DFinancial health25% of the rating26 mo reserves · -28% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For L & N Credit Union: 26 mo reserves · -28% margin earns a D on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for L & N Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For L & N Credit Union: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- 4101 Vanderbilt Rd, Birmingham, AL, 35217
- City
- Birmingham
- State
- Alabama
- Category
- —
- Subcategory
- —
- Website
- …
Financial trends
Revenue declined from $695K (FY2013) to $582K (FY2025) across 13 reported years.
Financial snapshot
Financial health & position (FY2025)
Liabilities $6.4MNet assets $1.6M
Operating margin
-27.9%
Spent more than it raised in the latest fiscal year.
Total assets
$8.0M
Total liabilities
$6.4M
Net assets
$1.6M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2025 | $581,891▼4.3% | $744,069▲6.1% | $1,585,945▼9.3% | $7,992,445▼2.4% | 990 |
| 2024 | $607,866▲0.7% | $701,241▲16.5% | $1,748,123▼5.1% | $8,190,034▼5.2% | 990 |
| 2023 | $603,931▲7.6% | $601,786▼3.4% | $1,841,498▲0.1% | $8,639,376▼11.3% | 990 |
| 2022 | $561,023▲9.2% | $622,655▲6.2% | $1,839,362▼3.2% | $9,744,761▲0.5% | 990 |
| 2021 | $513,722▼3.5% | $586,097▲7.0% | $1,900,994▼3.7% | $9,696,088▼2.8% | 990 |
| 2020 | $532,088▼10.6% | $547,613▼4.4% | $1,973,369▼0.8% | $9,972,301▲17.4% | 990 |
| 2019 | $595,202▼1.2% | $572,996▼2.6% | $1,988,894▲1.1% | $8,491,542▼2.3% | 990 |
| 2018 | $602,496▲0.9% | $588,321▲0.3% | $1,966,688▲0.7% | $8,695,601▼5.3% | 990 |
| 2017 | $596,915▼6.6% | $586,569▼6.2% | $1,952,513▲0.5% | $9,183,439▲1.4% | 990 |
| 2016 | $639,254▼6.8% | $625,445▼2.7% | $1,942,167▲0.7% | $9,055,215▼6.5% | 990 |
| 2015 | $685,901▼1.5% | $642,879▼4.3% | $1,928,358▲1.1% | $9,683,707▼3.8% | 990 |
| 2014 | $696,185▲0.1% | $671,989▼1.1% | $1,908,106▲1.3% | $10,062,886▲7.3% | 990 |
| 2013 | $695,183 | $679,515▲2.7% | $1,883,910▼1.5% | $9,377,399▼8.9% | 990 |
| 2012 | — | $661,339▼5.0% | $1,913,487▲2.4% | $10,298,432▼4.1% | 990 |
| 2011 | — | $696,103 | $1,869,403 | $10,734,681 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is L & N Credit Union a legitimate nonprofit?
- Yes. L & N Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 63-0371534, based in Birmingham, Alabama.
- What is L & N Credit Union's EIN?
- L & N Credit Union's Employer Identification Number (EIN) is 63-0371534.
- How much revenue does L & N Credit Union report?
- L & N Credit Union reported $581,891 in total revenue on its fiscal year 2025 IRS Form 990 filing.
- What financial grade does L & N Credit Union have?
- CharityIndex grades L & N Credit Union D, based on financial health (reserves and operating margin).
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Data for L & N Credit Union (EIN 63-0371534) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.