Massachusetts Family

LYNN, MA · 1 · Charter #24924 · www.massfamilycu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$29.7M
77th percentile
Members
1,401
49th percentile
Total loans
$22.8M
92th percentile
Total shares
$22.1M
72th percentile

Profitability

Return on assets
0.20%
23th percentile
Net interest margin
2.86%
16th percentile
Efficiency ratio
45.88%
88th percentile
Non-interest income ratio
1.09%
15th percentile

Capital & Risk

Net worth ratio
16.06%
57th percentile
Delinquency rate
0.08%
79th percentile
Net charge-off rate
0.11%
60th percentile
Loan-to-share
102.84%
94th percentile

Growth

Member growth YoY
-5.59%
15th percentile
Asset growth YoY
4.59%
72th percentile
Loan growth YoY
-3.71%
47th percentile
Share growth YoY
-1.13%
39th percentile

Operations

Members / branch
701
33th percentile
Assets / member
$21,209
97th percentile
Field of membership penetration
0.19%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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