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Community Credit Union of Lynn

Lynn, MA · Charter 67558

NCUA · 3 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=67). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

0

Q2 2024Q4 2025peer median (50)

Asset Quality

22

Q2 2024Q4 2025peer median (50)

Profitability

14

Q2 2024Q4 2025peer median (50)

Liquidity

7

Q2 2024Q4 2025peer median

Efficiency

4

Q2 2024Q4 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Community Credit Union of Lynn

Lynn, MA · Charter 67558

NCUA · 3 branches

Q4 2025

$181.3MAssets
$142.0MLoans
$153.7MShares
$12.5MNet 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 -0.58%, up 12 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 0.99% of loans (-10 bps YoY).
  • Capital: net worth / assets of 6.89%, down 118 bps from a year ago.
  • Funding: loans stand at 92.42% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.58%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.90%-9 bps YoY

Efficiency Ratio (YTD, annualized)

111.07%-89 bps YoY

Net Worth / Assets

6.89%-118 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-0.70%-0.63%-0.66%-0.63%-0.58%+12 bps
Return on Equity-8.63%-8.20%-9.31%-9.04%-8.39%+25 bps
Net Interest Margin2.99%2.89%2.80%2.83%2.90%-9 bps
Efficiency Ratio111.96%112.00%113.86%112.74%111.07%-89 bps
Growth
Asset Growth (YoY)7.48%3.81%12.06%7.02%7.19%-29 bps
Loan Growth (YoY)10.80%11.66%14.37%12.68%10.18%-62 bps
Share Growth (YoY)6.00%3.73%12.15%10.55%10.78%+479 bps
Asset Quality
Delinquent Loans / Loans1.09%0.21%0.77%1.26%0.99%-10 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 Capital8.07%7.72%7.12%6.96%6.89%-118 bps
Net Worth / Assets8.07%7.72%7.12%6.96%6.89%-118 bps
Liquidity & Funding
Loans / Shares92.92%91.58%90.40%91.90%92.42%-50 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Community Credit Union of Lynn

Lynn, MA · Charter 67558 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=67)

NCUA · 3 branches

Q4 2025

$181.3MAssets
$142.0MLoans
$153.7MShares
$12.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 37% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 42 of 67).
  • Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 67 of 67).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

-0.58%

Rank 65 of 67

Net Interest Margin

2.90%

Rank 42 of 67

Efficiency Ratio

111.08%

Rank 65 of 67

Equity / Assets

6.89%

Rank 67 of 67

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.58%0.37%0.59%1.09%Beats 3%65 / 67
Return on Equity-8.38%2.71%4.38%7.20%Beats 1%66 / 67
Net Interest Margin2.90%2.73%3.17%3.92%Beats 37%42 / 67
Efficiency Ratio111.08%69.54%81.66%88.28%Beats 4%65 / 67
Asset Quality
Nonperforming Loans / Loans0.99%0.11%0.48%0.94%Beats 22%53 / 67
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio6.89%9.79%13.36%16.92%Beats 0%67 / 67
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets6.89%9.79%13.36%16.92%Beats 0%67 / 67
Liquidity & Funding
Loans / Deposits92.42%52.18%70.53%82.65%88th pctl8 / 67
Loans / Assets78.35%42.08%60.80%69.26%88th pctl8 / 67
Brokered Deposits / Depositsn/aNot reported for this institution