State credit union · Lynn, Massachusetts · NCUA charter #67840
Lynn Police
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $10.8M
- Total assets
- 1,020
- Members
- 26.4%
- Net-worth ratio
Lynn Police - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67840. See our deposit-insurance coverage note.
Lynn Police - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)76
- Member growth66
- Liquidity (loan-to-share)70
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
26.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 26.35% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 0.26% | 15% |
| Member Growth | 0.79% | 15% |
| Loan-to-Share Ratio | 49.42% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $10.8M | 1,020 |
| 2024Q4 | $10.3M | 1,012 |
| 2023Q4 | $10.7M | 1,006 |
Credit Union Details
- Charter Number
- 67840
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Lynn
- Data Quarter
- 2025Q4
What This Data Says About Lynn Police
Lynn Police is a state credit union headquartered in Lynn, Massachusetts, serving 1,020 members with $10.8M in total assets and $3.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 87/100 (Excellent), anchored by a net worth ratio of 26.35% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67840 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.10% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 49.42% loan-to-share ratio shows how aggressively member deposits get deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.26% on net income of $28K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.79%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
- BURLINGTON MUNICIPAL EMPLOYEESBURLINGTON, MA · $10M–$50M77Health
- CAMBRIDGE MUNICIPAL EMPLOYEESCambridge, MA · $10M–$50M87Health
- MARBLEHEAD MUNICIPALMarblehead, MA · $10M–$50M91Health
- CAMBRIDGE FIREFIGHTERSCambridge, MA · $10M–$50M94Health
- SANTO CHRISTOFALL RIVER, MA · $10M–$50M78Health
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Lynn Police financially healthy?
A 26.35% net worth ratio and a 0.10% delinquency rate feed into Lynn Police's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Lynn Police compare to other credit unions?
Lynn Police scores 87/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Lynn Police?
Membership eligibility for Lynn Police depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lynn Police directly for current membership requirements and application steps.
Is my money safe at Lynn Police?
Federal credit unions like Lynn Police 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. Lynn Police's net worth ratio of 26.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lynn Police offer compared to banks?
Credit unions like Lynn Police 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 Lynn Police directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.