Civic Intelligence

L & N Employees Credit Union

EIN 63-0371534 • 501(c)14 • Birmingham, AL

View Organization Page

Profile

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.

4101 Vanderbilt RoadBirmingham, AL 35217

www.mylncu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

31st percentile

0.80x

Higher debt load relative to assets than 31% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

28th percentile

11.01x

Higher debt load relative to revenue than 28% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Net Margin

10th percentile

-28%

Higher net margin than 10% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

83rd percentile

$103,860

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 17.8% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Asset Growth

43rd percentile

-2.4%

Faster asset growth than 43% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

24th percentile

-4.3%

Faster revenue growth than 24% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets31st percentile

Assets

Down

$8,190,034

Down $449,342 (-5.2%) from 2023

Liabilities

Down

$6,441,911

Down $355,967 (-5.2%) from 2023

Net Assets

Down

$1,748,123

Down $93,375 (-5.1%) from 2023

Operations
Liabilities / Revenue28th percentileNet Margin10th percentile

Revenue

Up

$607,866

Up $3,935 (+0.7%) from 2023

Expenses

Up

$701,241

Up $99,455 (+17%) from 2023

Net Income

Down

-$93,375

Down $95,520 (-4453%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth43rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2011: $10,734,681Liabilities 2011: $8,865,278Net Assets 2011: $1,869,4032011Assets 2012: $10,298,432Liabilities 2012: $8,384,945Net Assets 2012: $1,913,4872012Assets 2013: $9,377,399Liabilities 2013: $7,493,489Net Assets 2013: $1,883,9102013Assets 2014: $10,062,886Liabilities 2014: $8,154,780Net Assets 2014: $1,908,1062014Assets 2015: $9,683,707Liabilities 2015: $7,755,349Net Assets 2015: $1,928,3582015Assets 2016: $9,055,215Liabilities 2016: $7,113,048Net Assets 2016: $1,942,1672016Assets 2017: $9,183,439Liabilities 2017: $7,230,926Net Assets 2017: $1,952,5132017Assets 2018: $8,695,601Liabilities 2018: $6,728,913Net Assets 2018: $1,966,6882018Assets 2019: $8,491,542Liabilities 2019: $6,502,648Net Assets 2019: $1,988,8942019Assets 2020: $9,972,301Liabilities 2020: $7,998,932Net Assets 2020: $1,973,3692020Assets 2021: $9,696,088Liabilities 2021: $7,795,094Net Assets 2021: $1,900,9942021Assets 2022: $9,744,761Liabilities 2022: $7,905,399Net Assets 2022: $1,839,3622022Assets 2023: $8,639,376Liabilities 2023: $6,797,878Net Assets 2023: $1,841,4982023Assets 2024: $8,190,034Liabilities 2024: $6,441,911Net Assets 2024: $1,748,1232024

Highlighted filing

2024

Assets$8,190,034
Liabilities$6,441,911
Net Assets$1,748,123
Open 2024 Filing

Operations Trend

Revenue Growth24th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$800K$600K$400K$200K$0-$200KExpenses 2011: $696,1032011Expenses 2012: $661,3392012Revenue 2013: $695,183Expenses 2013: $679,515Net Income 2013: $15,6682013Revenue 2014: $696,185Expenses 2014: $671,989Net Income 2014: $24,1962014Revenue 2015: $685,901Expenses 2015: $642,879Net Income 2015: $43,0222015Revenue 2016: $639,254Expenses 2016: $625,445Net Income 2016: $13,8092016Revenue 2017: $596,915Expenses 2017: $586,569Net Income 2017: $10,3462017Revenue 2018: $602,496Expenses 2018: $588,321Net Income 2018: $14,1752018Revenue 2019: $595,202Expenses 2019: $572,996Net Income 2019: $22,2062019Revenue 2020: $532,088Expenses 2020: $547,613Net Income 2020: -$15,5252020Revenue 2021: $513,722Expenses 2021: $586,097Net Income 2021: -$72,3752021Revenue 2022: $561,023Expenses 2022: $622,655Net Income 2022: -$61,6322022Revenue 2023: $603,931Expenses 2023: $601,786Net Income 2023: $2,1452023Revenue 2024: $607,866Expenses 2024: $701,241Net Income 2024: -$93,3752024

Highlighted filing

2024

Revenue$607,866
Expenses$701,241
Net Income-$93,375
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,190,034
Liabilities
$6,441,911
Net assets
$1,748,123
Revenue
$607,866
Expenses
$701,241
Net income
-$93,375
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.19$6.44$1.75$0.61$0.70$0.09
2023Detailed filing. Detailed filing data is available for this year.$8.64$6.80$1.84$0.60$0.60$0.00
2022Detailed filing. Detailed filing data is available for this year.$9.74$7.91$1.84$0.56$0.62$0.06
2021Detailed filing. Detailed filing data is available for this year.$9.70$7.80$1.90$0.51$0.59$0.07
2020Detailed filing. Detailed filing data is available for this year.$9.97$8.00$1.97$0.53$0.55$0.02
2019Detailed filing. Detailed filing data is available for this year.$8.49$6.50$1.99$0.60$0.57$0.02
2018Detailed filing. Detailed filing data is available for this year.$8.70$6.73$1.97$0.60$0.59$0.01
2017Detailed filing. Detailed filing data is available for this year.$9.18$7.23$1.95$0.60$0.59$0.01
2016Detailed filing. Detailed filing data is available for this year.$9.06$7.11$1.94$0.64$0.63$0.01
2015Detailed filing. Detailed filing data is available for this year.$9.68$7.76$1.93$0.69$0.64$0.04
2014Detailed filing. Detailed filing data is available for this year.$10.1$8.15$1.91$0.70$0.67$0.02
2013Detailed filing. Detailed filing data is available for this year.$9.38$7.49$1.88$0.70$0.68$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.3$8.38$1.91$0.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$8.87$1.87$0.70
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 13, 2025
Return Version
2024v5.0
Gross Receipts
$607,866
Mission and Program Overview

Mission

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.

To be the primary financial indtitution 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 environmebt for our employees that encourage, develops, and rewards hard work and excellence.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$5,451,759$4,874,283▼ $577,476
Savings and Temporary Cash Investments$2,736,027$2,885,524▲ $149,497
Rtn Earn Endowment Incm Other Fnds$1,841,498$1,748,123▼ $93,375
Cash and Non-Interest-Bearing Accounts$206,353$209,712▲ $3,359
Land, Buildings, and Equipment, Net$123,915$106,042▼ $17,873
Prepaid Expenses and Deferred Charges$42,637$40,869▼ $1,768
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$8,639,376$8,190,034▼ $449,342
Other Assets Total$78,685$73,604▼ $5,081
Liabilities
Accounts Payable and Accrued Expenses$6,797,878$6,441,911▼ $355,967
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$6,797,878$6,441,911▼ $355,967
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,841,498$1,748,123▼ $93,375
Total Liabilities and Net Assets / Fund Balance$8,639,376$8,190,034▼ $449,342

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$45,855$0$0
Other Land Buildings$0$0$0
Land$37,077-$0
Equipment$23,110$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michelle CooperManager/PresidentFT$101,360$101,360

Board Members and Trustees

NameTitle
Earnest Long SrChairman
Dwight MillerVice Chair
David HoneycuttDirector
Ralph SullinsSecretary
John PateTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$499,095
Investment Income
$108,771
Other Revenue
$0
Change in Net Assets
$-93,375
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$387,491
Salaries, Compensation, and Employee Benefits$313,750
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$136,623$0$136,623
Office Expenses$0$135,081$0$135,081
Current Officers, Directors, Trustees, and Key Employees$0$101,360$0$101,360
Interest$0$57,555$0$57,555
Occupancy$0$44,066$0$44,066
Information Technology$0$42,623$0$42,623
Pension Plan Contributions$0$33,973$0$33,973
Fees for Services Other$0$27,179$0$27,179
Other Employee Benefits$0$25,241$0$25,241
Depreciation Depletion$0$23,319$0$23,319
Insurance$0$19,526$0$19,526
Fees for Services Accounting$0$19,434$0$19,434
Payroll Taxes$0$16,553$0$16,553
All Other Expenses$0$6,167$0$6,167
Conferences and Meetings$0$5,812$0$5,812
Fees for Services Legal$0$5,400$0$5,400
Other Expenses$0$941$0$941
Advertising$0$388$0$388
Total Functional Expenses$0$701,241$0$701,241
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“L & N Employees Credit Union is owned by its members.”

Form 990, Part VI, Section A, Line 7A

“The Board of Directors are elected annually by the membership of the credit union at our annual meeting of the membership in February of each year.”

Form 990, Part VI, Section A, Line 7B

“If for any reason outlined in the Bylaws of the credit union the governing body should declare a position open on the board or a committee vacant, it must be approved by a majority of the board. A special meeting must be called of the membership to approve the decision also. Bylaw changes must be approved by the Alabama Credit Union Administration.”

Form 990, Part VI, Section B, Line 11B

“The 990 is reviewed and approved by the Board of Directors at the board meeting prior to being submitted and filed.”

Form 990, Part VI, Section B, Line 12C

“All volunteers and employees fill out and sign annual conflict of interest disclosures. This is done annually and is reviewed by the Board of Directors. If there are any conflicts, they are addressed at this time.”

Form 990, Part VI, Section B, Line 15

“Senior management employees are reviewed by the Board of Directors. Raises to senior management employees are voted on and approved by the Board of Directors. Reviews for senior management employees are performed annually in a board meeting.”

Form 990, Part VI, Section C, Line 19

“All documents are maintained at the credit union main office and are made available upon request.”

Filing and Contact Details

Filer

Filer Name
L & N Employees Credit Union
EIN
63-0371534
Phone
2058412544
Address
4101 Vanderbilt Road, Birmingham, AL 35217

Signing Officer

Name
Michelle Cooper
Title
President
Phone
2058412544
Signed
2025-03-13

Organization Details

Principal Officer
Michelle Cooper
Formed
1952
Legal Domicile
Al
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
5
Supplemental Narrative

Financial Statement Notes

Schedule D, Part VI, Line 1A

“Property the credit union is on.”

Schedule D, Part VI, Line 1B

“Credit Union building.”

Schedule D, Part VI, Line 1D

“Furniture and equipment that is used in the credit union for conducting business.”

Raw XML AppendixShowing 400 of 494 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm2Earnest Long Sr
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IRS990/Form990PartVIISectionAGrp/PersonNm4John Pate
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0Manager/President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice Chair
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0607866
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt042623
IRS990/InformationTechnologyGrp/ProgramServicesAmt00
IRS990/InformationTechnologyGrp/TotalAmt042623
IRS990/InitialReturnInd0X
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt019526
IRS990/InsuranceGrp/ProgramServicesAmt00
IRS990/InsuranceGrp/TotalAmt019526
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt057555
IRS990/InterestGrp/ProgramServicesAmt00
IRS990/InterestGrp/TotalAmt057555
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0108771
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0108771
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0123915
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0106042
IRS990/LandBldgEquipCostOrOtherBssAmt0106042
IRS990/LegalDomicileStateCd0AL
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt01841498
IRS990/NetAssetsOrFundBalancesEOYAmt01748123
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt044066
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt044066
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0135081
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt0135081
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt078685
IRS990/OtherAssetsTotalGrp/EOYAmt073604
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt025241
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt025241
IRS990/OtherExpensesGrp/Desc0Free Member Checks Expense
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0941
IRS990/OtherExpensesGrp/ProgramServicesAmt00
IRS990/OtherExpensesGrp/TotalAmt0941
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0136623
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0136623
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt016553
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt016553
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt033973
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt033973
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt042637
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt040869
IRS990/PrincipalOfficerNm0MICHELLE COOPER
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0387835
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0387835
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt093047
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0328390
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0510884
IRS990/PYRevenuesLessExpensesAmt02145
IRS990/PYSalariesCompEmpBnftPaidAmt0273396
IRS990/PYTotalExpensesAmt0601786
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0603931
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-93375
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01841498
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01748123
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02736027
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02885524
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt045855
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt045855
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt023110
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt023110
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt037077
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt037077
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Property the credit union is on.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Credit Union building.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2Furniture and equipment that is used in the credit union for conducting business.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part VI, Line 1a
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule D, Part VI, Line 1b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2Schedule D, Part VI, Line 1d
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0106042
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0L & N Employees Credit Union is owned by its members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors are elected annually by the membership of the credit union at our annual meeting of the membership in February of each year.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2If for any reason outlined in the Bylaws of the credit union the governing body should declare a position open on the board or a committee vacant, it must be approved by a majority of the board. A special meeting must be called of the membership to approve the decision also. Bylaw changes must be approved by the Alabama Credit Union Administration.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The 990 is reviewed and approved by the Board of Directors at the board meeting prior to being submitted and filed.

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