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
Call Report peers
LUSO-AMERICAN in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); LUSO-AMERICAN sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for LUSO-AMERICAN
- Largest favorable gap: Net Worth Ratio at 16.08% vs peer 12.11% (+3.97 pp).
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).
- One place up in Massachusetts, Stoughton Town Employees (#6) ties at 95/100; one place down, QUINCY (#8) ties at 95/100.
LUSO-AMERICAN: 2025Q4 → 2026Q1
LUSO-AMERICAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $123.4M (2025Q4) to $122.8M (2026Q1).
- Net-worth ratio shifted +0.15 pp (15.93% → 16.08%).
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
LUSO-AMERICAN gives up 5 points in total. Member Growth costs the most, 3.7 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is LUSO-AMERICAN financially healthy?
LUSO-AMERICAN has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #331 of 4,374 nationally on health and #7 of 126 in Massachusetts. Its net worth ratio is 16.08% and its delinquency rate 0.67%.
How does LUSO-AMERICAN compare to other credit unions?
LUSO-AMERICAN scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (16.08% vs 12.11%).
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?
LUSO-AMERICAN 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. LUSO-AMERICAN's net worth ratio of 16.08% exceeds 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.