PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Luso

Ludlow, MA · Charter 20600

NCUA · 2 branches

Q2 2026

$244.6MAssets
$192.2MLoans
$216.3MShares
$27.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.45%, up 43 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 1.10% of loans (-52 bps YoY).
  • Capital: net worth / assets of 11.07%, up 15 bps from a year ago.
  • Funding: loans stand at 88.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.45%+43 bps YoY

Net Interest Margin (YTD, annualized)

2.40%+39 bps YoY

Efficiency Ratio (YTD, annualized)

81.95%-1,775 bps YoY

Net Worth / Assets

11.07%+15 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.02%0.11%0.11%0.32%0.45%+43 bps
Return on Equity0.18%0.98%1.02%2.93%4.04%+386 bps
Net Interest Margin2.01%2.11%2.16%2.36%2.40%+39 bps
Efficiency Ratio99.70%95.22%93.91%83.70%81.95%-1,775 bps
Growth
Asset Growth (YoY)-0.86%-2.37%0.48%0.00%1.61%+247 bps
Loan Growth (YoY)0.09%2.23%1.18%2.71%2.34%+225 bps
Share Growth (YoY)1.59%-0.37%0.34%-0.28%1.33%-26 bps
Asset Quality
Delinquent Loans / Loans1.62%1.33%0.88%0.72%1.10%-52 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.92%11.08%11.11%11.06%11.07%+15 bps
Net Worth / Assets10.92%11.08%11.11%11.06%11.07%+15 bps
Liquidity & Funding
Loans / Shares87.97%90.44%90.36%89.31%88.84%+87 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps