State credit union · LYNN, Massachusetts · NCUA charter #67558
Community Credit Union of Lynn
Health score 50/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $181.3M
- Total assets
- 6,171
- Members
- 5.6%
- Net-worth ratio
Community Credit Union of Lynn - Share Insurance Coverage
Charter #67558's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Community Credit Union of Lynn - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)47
- Asset quality (delinquency)80
- Earnings (ROA)0
- Member growth12
- Liquidity (loan-to-share)93
Weighted composite: 50/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 5.59% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.59% | 30% |
| Delinquency Rate | 0.99% | 25% |
| Return on Assets | -0.65% | 15% |
| Member Growth | -3.97% | 15% |
| Loan-to-Share Ratio | 92.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $181.3M | 6,171 |
| 2024Q4 | $169.1M | 6,426 |
| 2023Q4 | $157.4M | 3,299 |
Credit Union Details
- Charter Number
- 67558
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- LYNN
- Data Quarter
- 2025Q4
What This Data Says About Community Credit Union of Lynn
Community Credit Union of Lynn is a state credit union headquartered in LYNN, Massachusetts, serving 6,171 members with $181.3M in total assets and $142.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 50/100 (Fair), anchored by a net worth ratio of 5.59% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67558 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.99% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 92.42% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.65% on net income of $-1178901 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.97%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Community Credit Union of Lynn financially healthy?
A 5.59% net worth ratio and a 0.99% delinquency rate feed into Community Credit Union of Lynn's financial health score of 50/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Community Credit Union of Lynn compare to other credit unions?
On PlainCU's health composite, Community Credit Union of Lynn lands at 50/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Community Credit Union of Lynn?
Membership eligibility for Community Credit Union of Lynn depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Community Credit Union of Lynn directly for current membership requirements and application steps.
Is my money safe at Community Credit Union of Lynn?
Federal credit unions like Community Credit Union of Lynn are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Community Credit Union of Lynn's net worth ratio of 5.59% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Community Credit Union of Lynn offer compared to banks?
Credit unions like Community Credit Union of Lynn are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Community Credit Union of Lynn directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.