Peabody, Massachusetts · Peer group 5
Luso-American Credit Union
Luso-American Credit Union holds $122.8M in assets across 9,326 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1960. Charter number 67890, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $122.8M |
|---|---|
| Total loans | $76.0M |
| Total shares (deposits) | $102.4M |
| Net worth | $19.8M |
| Members | 9,326 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -2.7% | |
|---|---|---|
| Loans | -4.3% | around the 14th percentile of its peer group |
| Deposits | -3.9% | lower than 95% of its peer group |
| Members | 6.0% | higher than 95% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 74.2% | around the 54th percentile of its peer group |
|---|---|---|
| Net worth ratio | 16.1% | around the 89th percentile of its peer group |
| Return on assets | 0.35% | around the 26th percentile of its peer group |
| Delinquency ratio | 0.37% | around the 28th percentile of its peer group |
| Cash / assets | 30.7% | higher than 99% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Luso-American Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- St. Michaels Fall River Credit Union
Fall River, MA
$123.6M · 3,165 members
- Brotherhood Credit Union
Lynn, MA
$125.6M · 5,177 members
- Nesc Credit Union
METHUEN, MA
$125.8M · 7,872 members
- Energy Credit Union
West Roxbury, MA
$129.1M · 5,616 members
- Worcester Credit Union
Worcester, MA
$107.1M · 6,355 members
- First Priority Credit Union
BOSTON, MA
$143.2M · 5,861 members
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