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.
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NCUA 5300 Call Report Masthead
#4,128 of 4,374 health · 2025Q4Community · health 58/100 · $181.3M · 2025Q4
Call Report peers
Community Credit Union of Lynn in the assets neighbourhood
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Community Credit Union of Lynn vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Community Credit Union of Lynn sits in 55-59 with 115 others.
58 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Massachusetts, ALIGN (#120) scores 59/100, 1 point higher; one place down, City of Boston (#122) scores 54/100, 4 points lower.
How Community Credit Union of Lynn's 5300 filing moved
Community Credit Union of Lynn: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
Community Credit Union of Lynn gives up 42 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 1.1.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Community Credit Union of Lynn financially healthy?
On its 2025Q4 NCUA 5300 filing, Community Credit Union of Lynn scores 58/100 (Fair), with a 6.89% net worth ratio and 0.99% of loans delinquent. It ranks #4,128 of 4,374 nationally on health and #121 of 126 in Massachusetts.
How does Community Credit Union of Lynn compare to other credit unions?
Community Credit Union of Lynn scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (92.42% vs 72.20%). Its widest shortfall is net worth ratio (6.89% vs 12.11%).
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?
Community Credit Union of Lynn is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.