Federal credit union · Ludlow, Massachusetts · NCUA charter #20600
LUSO
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $238.8M
- Total assets
- 7,932
- Members
- 11.1%
- Net-worth ratio
LUSO scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $238.8M; members 7,932; net-worth ratio 11.06%; health rank #3,283 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,283 of 4,374 health · 2025Q4LUSO · health 75/100 · $238.8M · 2025Q4
- PHOTO 75/100
- BOOK 11.1%
- CHARTER 0.88%
- NCUSIF -0.29%
- CAMELS $238.8M
- HEALTH 7,932
- NW #3,283/4,374
- DELQ Pioneer Appalachia
- ROA 20600
LUSO in the assets neighbourhood
LUSO's $238.8M assets sit next to Pioneer Appalachia ($238.8M) 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.
LUSO 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
75 24th percentile higher than 24% 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
LUSO - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #20600, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
LUSO: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 90.36% here, 72.20% peer average (+18.16 pp).
- Largest lag: Net Worth Ratio at 11.06% vs peer 12.11% (-1.05 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LUSO in Massachusetts
- In Massachusetts, health place is #99 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #41 of 126.
- Member book place in Massachusetts: #48 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
LUSO Call Report trajectory
LUSO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.3% from $238.8M (2025Q4) to $241.8M (2026Q1).
- Net-worth ratio shifted -0.05 pp (11.11% → 11.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.06%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.2 pts
- Return on Assets 1.9 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 14.5 pts
Call Report ratios for LUSO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.06% | -1.05 pp |
| Delinquency Rate | 0.88% | -0.02 pp |
| Return on Assets | -0.29% | -0.91 pp |
| Member Growth | -0.90% | - |
| Loan-to-Share Ratio | 90.36% | +18.16 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).
Call Report history - LUSO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $241.8M | - |
| 2025Q4 | $238.8M | 7,932 |
| 2024Q4 | $237.6M | 8,004 |
| 2023Q4 | $240.8M | 8,095 |
Credit Union Details
- Charter Number
- 20600
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Ludlow
- Data Quarter
- 2025Q4
Branch Locations (2)
LUSO operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LUSO Federal Credit Union (Main Office) | Ludlow, MA |
| Luso Federal Credit Union | Wilbraham, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Other-state peers near LUSO
Two NCUA Call Report peer sets for LUSO, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($238.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- LUSO ranks #3,283 of 4,374 nationally on financial health and #99 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SOUTHBRIDGE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SOUTHBRIDGE
- 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 LUSO financially healthy?
A 11.06% net worth ratio and a 0.88% delinquency rate feed into LUSO's financial health score of 75/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,283 of 4,374; by total assets it ranks #1,173 of 4,374 nationally (same basis as /rankings/largest); and #41 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does LUSO compare to other credit unions?
75/100 is LUSO's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 LUSO?
LUSO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact LUSO directly for the exact boundaries and application steps.
Is my money safe at LUSO?
Federal credit unions like LUSO 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. LUSO's net worth ratio of 11.06% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LUSO offer compared to banks?
Credit unions like LUSO 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 LUSO 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.