Luso-American

Peabody, MA · 2 · Charter #67890 · www.luso-american.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$123.4M
59th percentile
Members
9,270
63th percentile
Total loans
$77.7M
63th percentile
Total shares
$103.3M
58th percentile

Profitability

Return on assets
0.81%
35th percentile
Net interest margin
3.53%
44th percentile
Efficiency ratio
62.23%
51th percentile
Non-interest income ratio
4.90%
4th percentile

Capital & Risk

Net worth ratio
15.93%
81th percentile
Delinquency rate
0.67%
53th percentile
Net charge-off rate
0.03%
94th percentile
Loan-to-share
75.22%
63th percentile

Growth

Member growth YoY
1.92%
79th percentile
Asset growth YoY
-0.60%
17th percentile
Loan growth YoY
-2.92%
26th percentile
Share growth YoY
-1.54%
15th percentile

Operations

Members / branch
3,090
49th percentile
Assets / member
$13,306
41th percentile
Field of membership penetration
12.36%
62th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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