State credit union · Peabody, Massachusetts · NCUA charter #67890
LUSO-AMERICAN
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $123.4M
- Total assets
- 9,270
- Members
- 16.1%
- Net-worth ratio
LUSO-AMERICAN scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $123.4M; members 9,270; net-worth ratio 16.08%; health rank #331 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#331 of 4,374 health · 2025Q4LUSO-AMERICAN · health 95/100 · $123.4M · 2025Q4
- MEM 95/100
- RANK 16.1%
- PHOTO 0.67%
- BOOK 0.95%
- CHARTER $123.4M
- NCUSIF 9,270
- CAMELS #331/4,374
- HEALTH Missouri Central
- NW 67890
Call Report peers
LUSO-AMERICAN in the assets neighbourhood
LUSO-AMERICAN's $123.4M assets sit next to Missouri Central ($123.2M) 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-AMERICAN 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
95 Top 10% higher than 90% 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-AMERICAN - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67890: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for LUSO-AMERICAN
- Largest favorable gap: Net Worth Ratio at 16.08% vs peer 12.11% (+3.97 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
LUSO-AMERICAN in Massachusetts
- In Massachusetts, health place is #7 of 126 on the same NCUA-ratio sort used nationally.
- By total assets, LUSO-AMERICAN is #56 of 126 in Massachusetts.
- Membership ranks #47 of 126 among Massachusetts CUs with a reported count (9,270 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.
LUSO-AMERICAN: 2025Q4 → 2026Q1
LUSO-AMERICAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $123.4M (2025Q4) to $122.8M (2026Q1).
- Net-worth ratio shifted +0.15 pp (15.93% → 16.08%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.08%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.08% | +3.97 pp |
| Delinquency Rate | 0.67% | -0.22 pp |
| Return on Assets | 0.95% | +0.33 pp |
| Member Growth | 1.92% | - |
| Loan-to-Share Ratio | 75.22% | +3.02 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).
LUSO-AMERICAN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $122.8M | - |
| 2025Q4 | $123.4M | 9,270 |
| 2024Q4 | $124.1M | 9,095 |
| 2023Q4 | $121.9M | 8,875 |
Credit Union Details
- Charter Number
- 67890
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Peabody
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for LUSO-AMERICAN, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Luso American Credit Union (Main Office) | Peabody, MA |
| Luso American Credit Union | Gloucester, MA |
| FiServ | Grapevine, TX |
| Luso-American Credit Union | Peabody, 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-AMERICAN
Cross-state asset and health neighbours for LUSO-AMERICAN - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($123.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- LUSO-AMERICAN ranks #331 of 4,374 nationally on financial health and #7 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- St. Michaels Fall River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with St. Michaels Fall River
- 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-AMERICAN financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, LUSO-AMERICAN carries a financial health score of 95/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #331 of 4,374; by total assets it ranks #1,652 of 4,374 nationally (same basis as /rankings/largest); and #56 of 126 within Massachusetts. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.08% net worth ratio and a 0.67% delinquency rate.
How does LUSO-AMERICAN compare to other credit unions?
LUSO-AMERICAN scores 95/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 LUSO-AMERICAN?
Membership eligibility for LUSO-AMERICAN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LUSO-AMERICAN directly for current membership requirements and application steps.
Is my money safe at LUSO-AMERICAN?
Federal credit unions like LUSO-AMERICAN 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-AMERICAN's net worth ratio of 16.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does LUSO-AMERICAN offer compared to banks?
Credit unions like LUSO-AMERICAN 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-AMERICAN 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.