State credit union · LYNN, Massachusetts · NCUA charter #67558
Community Credit Union of Lynn
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $181.3M
- Total assets
- 6,171
- Members
- 6.9%
- Net-worth ratio
Community Credit Union of Lynn scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $181.3M; members 6,171; net-worth ratio 6.89%; health rank #4,128 of 4,374; healthier than 6th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,128 of 4,374 health · 2025Q4Community · health 58/100 · $181.3M · 2025Q4
- NCUSIF 58/100
- CAMELS 6.9%
- HEALTH 0.99%
- NW -0.65%
- DELQ $181.3M
- ROA 6,171
- ASSETS #4,128/4,374
- MEM First Central
- RANK 67558
Call Report peers
Community Credit Union of Lynn in the assets neighbourhood
Community Credit Union of Lynn's $181.3M assets sit next to First Central ($181.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Community Credit Union of Lynn vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
58 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where Community Credit Union of Lynn diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 92.42% here, 72.20% peer average (+20.22 pp).
- Largest lag: Net Worth Ratio at 6.89% vs peer 12.11% (-5.22 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for Community Credit Union of Lynn
- In Massachusetts, health place is #121 of 126 on the same NCUA-ratio sort used nationally.
- By total assets, Community Credit Union of Lynn is #46 of 126 in Massachusetts.
- Membership ranks #57 of 126 among Massachusetts CUs with a reported count (6,171 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Community Credit Union of Lynn's 5300 filing moved
Community Credit Union of Lynn: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +7.2% from $169.1M (2024Q4) to $181.3M (2025Q4).
- Membership moved -4.0% from 6,426 to 6,171 over the same window.
- Net-worth ratio shifted -1.18 pp (8.07% → 6.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This institution's 6.89% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 21.7 pts
- Delinquency Rate 20.1 pts
- Return on Assets 0.0 pts
- Member Growth 1.9 pts
- Loan-to-Share Ratio 14.3 pts
Community Credit Union of Lynn vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.89% | -5.22 pp |
| Delinquency Rate | 0.99% | +0.10 pp |
| Return on Assets | -0.65% | -1.27 pp |
| Member Growth | -3.97% | - |
| Loan-to-Share Ratio | 92.42% | +20.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Community filing history
| 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
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Cross-state Call Report peers for Community
Cross-state asset and health neighbours for Community Credit Union of Lynn - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($181.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- Community Credit Union of Lynn ranks #4,128 of 4,374 nationally on financial health and #121 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- River Works is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with River Works
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Community Credit Union of Lynn financially healthy?
A 6.89% net worth ratio and a 0.99% delinquency rate feed into Community Credit Union of Lynn's financial health score of 58/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,128 of 4,374; by total assets it ranks #1,352 of 4,374 nationally (same basis as /rankings/largest); and #46 of 126 within Massachusetts. 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 58/100, 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 6.89% 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.
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.