Compared with Kentucky
3 of 7
compared fees are above the median.
3 below, 1 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
82nd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kentucky median
of 7 compared; 3 below, 1 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for L & N Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | L & N Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.9% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (82nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $3.8M in Q2 2026, 24% above the same quarter a year earlier ($3.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 7 compared published fees sit above the Kentucky median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Kentucky medians for fees published by banks and credit unions.
Cashier's Check
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 6.3% from Q3 2025 to Q2 2026, to $3.8M. Its share of revenue, 9.9%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.8M
L & N Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
L & N Federal Credit Union · $2.6B in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| L & N Federal Credit Union(this institution) | Louisville, KY | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| A+ Federal Credit Union | Austin, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aberdeen Proving Ground Federal Credit Union | Aberdeen, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Abound Federal Credit Union | Radcliff, KY | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Allegacy Federal Credit Union | Winston Salem, NC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Altura Federal Credit Union | Riverside, CA | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| American Eagle Financial Federal Credit Union | East Hartford, CT | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Andrews Federal Credit Union | Suitland, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Austin Telco Federal Credit Union | Austin, TX | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bayport Federal Credit Union | Newport News, VA | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connecticut State Employees Federal Credit Union | Hartford, CT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Corning Federal Credit Union | Corning, NY | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union of Colorado, A | Denver, CO | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Credit Union of Texas | Allen, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dow Federal Credit Union | Midland, MI | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Georgia United Federal Credit Union | Duluth, GA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaiiusa Federal Credit Union | Honolulu, HI | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hughes Federal Credit Union | Tucson, AZ | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jsc Federal Credit Union | Houston, TX | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Partners Federal Credit Union | Burbank, CA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Polish & Slavic Federal Credit Union | Brooklyn, NY | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Carolina Federal Credit Union | North Charleston, SC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texans Federal Credit Union | Richardson, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Together Federal Credit Union | Saint Louis, MO | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ttcu Federal Credit Union | Tulsa, OK | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Y-12 Federal Credit Union | Oak Ridge, TN | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 15 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
L & N Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for L & N Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $3.8M | +$301K | +8.6% |
| Q1 2026 | $3.5M | −$103K | −2.9% |
| Q4 2025 | $3.6M | +$27K | +0.8% |
| Q3 2025 | $3.6M | +$508K | +16.6% |
| Q2 2025 | $3.1M | +$107K | +3.6% |
| Q1 2025 | $3.0M | −$244K | −7.6% |
| Q4 2024 | $3.2M | −$47K | −1.4% |
| Q3 2024 | $3.3M | +$292K | +9.9% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, L & N Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to L & N Federal Credit Union by share.
Amounts from L & N Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fraud Account Closure Fee | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Paper Statement | $2Not compared: Annual charge, not monthly | per year | None |
| Paper Statement (Based on frequency of statement) | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Check Returned Fee (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Check Services | |||
| 2 Party Official Check Fee | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing Fee - Non-Member (audience not stated, treated as personal) | 2%($10 minimum) | Not stated | None |
| Copy of Deposited Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Returned Fee (NSF) | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting Fee | 5% | Not stated | None |
Other Fees | |||
| Statement Copies Fee | $1Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where L & N Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
28 offices in 2 states (June 30, 2026)
Each dot is one office.
7 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Louisville, KY | 13 |
| Corbin, KY | 2 |
| Jeffersonville, IN | 2 |
| London, KY | 2 |
| Crestwood, KY | 1 |
| Erlanger, KY | 1 |
| Ft Wright, KY | 1 |
| Lagrange, KY | 1 |
Largest competitors nearby
Local market: Jefferson and Bullitt counties, KY, around its headquarters.
| 44 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 23.4% |
| JPMorgan Chase Bank, National Association | 20.6% |
| Stock Yards Bank & Trust Company | 11.7% |
| Republic Bank & Trust Company | 11.4% |
| Fifth Third Bank, National Association | 8.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.