Luso

Ludlow, MA · 1 · Charter #20600 · www.lusofederal.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
$238.8M
97th percentile
Members
7,932
53th percentile
Total loans
$190.7M
100th percentile
Total shares
$211.1M
98th percentile

Profitability

Return on assets
0.15%
6th percentile
Net interest margin
2.16%
3th percentile
Efficiency ratio
52.89%
78th percentile
Non-interest income ratio
8.33%
10th percentile

Capital & Risk

Net worth ratio
11.11%
36th percentile
Delinquency rate
0.88%
40th percentile
Net charge-off rate
0.05%
91th percentile
Loan-to-share
90.36%
87th percentile

Growth

Member growth YoY
-0.90%
46th percentile
Asset growth YoY
0.48%
23th percentile
Loan growth YoY
1.18%
49th percentile
Share growth YoY
0.34%
26th percentile

Operations

Members / branch
3,966
69th percentile
Assets / member
$30,100
97th percentile
Field of membership penetration
1.73%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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