Lowell Municipal Employees

Lowell, MA · 1 · Charter #2065 · www.lmefcu.net
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
$8.4M
37th percentile
Members
1,271
45th percentile
Total loans
$5.1M
45th percentile
Total shares
$6.3M
36th percentile

Profitability

Return on assets
0.50%
35th percentile
Net interest margin
3.86%
45th percentile
Efficiency ratio
67.01%
49th percentile
Non-interest income ratio
1.67%
18th percentile

Capital & Risk

Net worth ratio
7.94%
5th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.05%
67th percentile
Loan-to-share
82.07%
79th percentile

Growth

Member growth YoY
-1.01%
54th percentile
Asset growth YoY
13.95%
96th percentile
Loan growth YoY
-8.41%
29th percentile
Share growth YoY
4.01%
70th percentile

Operations

Members / branch
1,271
57th percentile
Assets / member
$6,646
28th percentile
Field of membership penetration
63.55%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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