Federal credit union · Lowell, Massachusetts · NCUA charter #2065
Lowell Municipal Employees
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $8.4M
- Total assets
- 1,271
- Members
- 7.8%
- Net-worth ratio
Lowell Municipal Employees scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.4M; members 1,271; net-worth ratio 7.79%; health rank #1,870 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,870 of 4,374 health · 2025Q4Lowell Municipal Employees · health 86/100 · $8.4M · 2025Q4
- CAMELS 86/100
- HEALTH 7.8%
- NW 0.00%
- DELQ 1.06%
- ROA $8.4M
- ASSETS 1,271
- MEM #1,870/4,374
- RANK n/a
- PHOTO 2065
Call Report peers
Lowell Municipal Employees carries $8.4M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Lowell Municipal Employees 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
86 Top 43% higher than 57% 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
Lowell Municipal Employees - Share Insurance Coverage
Charter #2065'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.
Lowell Municipal Employees vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +2.63 pp (66.23% vs 63.60%).
- Widest shortfall vs peers is Net Worth Ratio: -11.27 pp (7.79% vs 19.06%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Lowell Municipal Employees in Massachusetts
- Massachusetts health ordinal: #59 of 126.
- Assets rank #108 of 126 inside Massachusetts ($8.4M reported).
- Membership ranks #97 of 126 among Massachusetts CUs with a reported count (1,271 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.
Quarter path for Lowell Municipal Employees
Lowell Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $8.4M (2025Q4) to $8.7M (2026Q1).
- Net-worth ratio shifted -0.15 pp (7.94% → 7.79%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 7.79%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 24.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.2 pts
- Loan-to-Share Ratio 14.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.79% | -11.27 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.06% | +0.60 pp |
| Member Growth | -1.01% | - |
| Loan-to-Share Ratio | 66.23% | +2.63 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Lowell Municipal Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $8.7M | - |
| 2025Q4 | $8.4M | 1,271 |
| 2024Q4 | $7.4M | 1,284 |
| 2023Q4 | $7.3M | 1,187 |
Credit Union Details
- Charter Number
- 2065
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Lowell
- Data Quarter
- 2025Q4
Branch Location
Lowell Municipal Employees operates a single office in Lowell, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| City Hall (Main Office) | Lowell, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Lowell Municipal Employees, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Lowell Municipal Employees ranks #1,870 of 4,374 nationally on financial health and #59 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Danvers Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Danvers Municipal
- 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 Lowell Municipal Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Lowell Municipal Employees carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,870 of 4,374; by total assets it ranks #3,642 of 4,374 nationally (same basis as /rankings/largest); and #108 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.79% net worth ratio and a 0.00% delinquency rate.
How does Lowell Municipal Employees compare to other credit unions?
PlainCU's health composite puts Lowell Municipal Employees at 86/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Lowell Municipal Employees?
Lowell Municipal Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Lowell Municipal Employees directly to confirm current membership steps.
Is my money safe at Lowell Municipal Employees?
Federal credit unions like Lowell Municipal Employees 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. Lowell Municipal Employees's net worth ratio of 7.79% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lowell Municipal Employees offer compared to banks?
Credit unions like Lowell Municipal Employees 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 Lowell Municipal Employees 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.