Birmingham, AL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)L & N EMPLOYEES CREDIT UNION, founded in 1952, is a small nonprofit that reported $582K in total revenue in fiscal year 2025. Expenses of $744K exceeded revenue, resulting in a 28% operating deficit.
To be the primary financial institution within our field of membership. We will provide quality financial products and services to our members. Our goal is to offer value to our membership in loan rates, deposit rates, products, and exceptional member service. We will strive to provide a challenging work environment for our employees that encourages, develops, and rewards hard work and excellence.
Ongoing assessment of the financial industry, adjusting rates on savings instruments, lending vehicles, and additional services to achieve maximum benefit to the membership, while continuing to...
Ongoing assessment of the financial industry, adjusting rates on savings instruments, lending vehicles, and additional services to achieve maximum benefit to the membership, while continuing to maintain capital.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $581,891 | $607,866 | 0.0% |
| Expenses | $744,069 | $701,241 | +0.1% |
| Net Income | $-162,178 | $-93,375 | +0.7% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| Michelle Cooper | Manager/President | 40 |
Key Emp
Highest
|
$103,860 | $0 | $103,860 |
| David Honeycutt | Director | 1 |
Officer
Director
|
$0 | $0 | $0 |
| Earnest Long Sr | Chairman | 1 |
Officer
Director
|
$0 | $0 | $0 |
| Ralph Sullins | Secretary | 1 |
Officer
Director
|
$0 | $0 | $0 |
| John Pate | Treasurer | 1 |
Officer
Director
|
$0 | $0 | $0 |
| Dwight Miller | Vice Chair | 1 |
Officer
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $581,891 | $744,069 | $7,992,445 | $-162,178 |
| 2024 | $607,866 | $701,241 | $8,190,034 | $-93,375 |
| 2023 | $603,931 | $601,786 | $8,639,376 | $2,145 |
| 2022 | $561,023 | $622,655 | $9,744,761 | $-61,632 |
| 2021 | $513,722 | $586,097 | $9,696,088 | $-72,375 |
| 2020 | $532,088 | $547,613 | $9,972,301 | $-15,525 |
| 2019 | $595,202 | $572,996 | $8,491,542 | $22,206 |
| 2018 | $602,496 | $588,321 | $8,695,601 | $14,175 |
Compare L & N EMPLOYEES CREDIT UNION with other nonprofits in Alabama and across the country.