Luso
Ludlow, MA · Charter 20600 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$244.6MAssets
$192.2MLoans
$216.3MShares
$27.1MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 39% of credit unions under $1B in assets (rank 1033 of 1682).
- Widest gap: net interest margin trails 97% of credit unions under $1B in assets (rank 1629 of 1683).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.45%
Rank 1,185 of 1,683
Net Interest Margin
2.40%
Rank 1,629 of 1,683
Efficiency Ratio
81.94%
Rank 1,033 of 1,682
Equity / Assets
11.07%
Rank 1,137 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.35% | 0.74% | 1.18% | Beats 30% | 1,185 / 1,683 | |
| Return on Equity | 4.05% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,085 / 1,681 | |
| Net Interest Margin | 2.40% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,629 / 1,683 | |
| Efficiency Ratio | 81.94% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,033 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.10% | 0.26% | 0.65% | 1.29% | Beats 30% | 1,181 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.07% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,137 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.07% | 10.44% | 12.89% | 16.53% | Beats 32% | 1,137 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 88.84% | 52.61% | 69.38% | 83.50% | 84th pctl | 264 / 1,683 | |
| Loans / Assets | 78.57% | 44.71% | 59.18% | 70.72% | 89th pctl | 179 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |