PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lynn Police

Lynn, MA · Charter 67840

NCUA · 2 branches

Q2 2026

$11.7MAssets
$3.8MLoans
$8.7MShares
$3.0MNet 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 0.33%, down 67 bps year over year; NIM at 2.16%.
  • Asset quality: problem loans at 1.35% of loans (+85 bps YoY).
  • Capital: net worth / assets of 25.85%, down 238 bps from a year ago.
  • Funding: loans stand at 43.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%-67 bps YoY

Net Interest Margin (YTD, annualized)

2.16%-71 bps YoY

Efficiency Ratio (YTD, annualized)

84.59%+1,959 bps YoY

Net Worth / Assets

25.85%-238 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.98%0.90%0.56%0.33%-67 bps
Return on Equity3.57%3.44%3.23%2.15%1.29%-228 bps
Net Interest Margin2.88%2.74%2.85%2.14%2.16%-71 bps
Efficiency Ratio65.00%64.34%68.59%73.81%84.59%+1,959 bps
Growth
Asset Growth (YoY)-1.25%0.62%4.37%10.47%11.31%+1,256 bps
Loan Growth (YoY)-14.85%-19.05%-20.45%-13.09%-11.59%+326 bps
Share Growth (YoY)-3.47%-0.42%4.53%13.27%14.62%+1,809 bps
Asset Quality
Delinquent Loans / Loans0.50%0.67%0.10%0.57%1.35%+85 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 Capital28.23%28.39%27.81%26.01%25.85%-238 bps
Net Worth / Assets28.23%28.39%27.81%26.01%25.85%-238 bps
Liquidity & Funding
Loans / Shares56.23%54.93%49.42%44.73%43.37%-1,286 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps