Luso-American Peabody, MA · Charter 67890 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)
NCUA · 4 branches
Q2 2026
$123.0M Assets
$73.5M Loans
$102.4M Shares
$19.9M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 64% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 25 of 66). Widest gap: efficiency ratio trails 74% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 50 of 66). Overall: at or above the peer median on 4 of 7 directional measures. Return on Assets
0.47%
Rank 44 of 66
Net Interest Margin
3.42%
Rank 28 of 66
Efficiency Ratio
87.18%
Rank 50 of 66
Equity / Assets
16.21%
Rank 25 of 66
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.47% 0.38% 0.59% 1.00% Beats 33% 44 / 66 Return on Equity 2.88% 2.62% 4.89% 6.39% Beats 27% 48 / 66 Net Interest Margin 3.42% 2.83% 3.27% 3.84% Beats 58% 28 / 66 Efficiency Ratio 87.18% 68.43% 80.15% 87.18% Beats 26% 50 / 66 Asset Quality Nonperforming Loans / Loans 0.22% 0.08% 0.48% 1.18% Beats 64% 25 / 66 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 16.21% 9.84% 13.79% 17.21% Beats 62% 25 / 66 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 16.21% 9.84% 13.79% 17.21% Beats 62% 25 / 66 Liquidity & Funding Loans / Deposits 71.74% 50.73% 71.54% 81.61% 52nd pctl 32 / 66 Loans / Assets 59.74% 40.53% 57.05% 68.92% 53rd pctl 31 / 66 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11