State credit union · LYNN, Massachusetts · NCUA charter #67882
Lynn Teachers
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $5.0M
- Total assets
- 669
- Members
- 19.6%
- Net-worth ratio
Lynn Teachers scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.0M; members 669; net-worth ratio 19.57%; health rank #2,531 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,531 of 4,374 health · 2025Q4Lynn Teachers · health 81/100 · $5.0M · 2025Q4
- NCUSIF 81/100
- CAMELS 19.6%
- HEALTH 1.65%
- NW 1.79%
- DELQ $5.0M
- ROA 669
- ASSETS #2,531/4,374
- MEM n/a
- RANK 67882
Call Report peers
Lynn Teachers carries $5.0M 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.
Lynn Teachers 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
81 39th percentile higher than 39% 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
Lynn Teachers - Share Insurance Coverage
Charter #67882'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.
Peer-gap read for Lynn Teachers
- Strongest edge vs 566 $2M–$10M peers is Return on Assets: +1.34 pp (1.79% vs 0.45%).
- Loan-to-Share Ratio trails the peer set - 50.50% here, 63.60% peer average (-13.10 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for Lynn Teachers
- Health composite ranks #75 of 126 among scored Massachusetts credit unions.
- By total assets, Lynn Teachers is #114 of 126 in Massachusetts.
- Massachusetts membership ordinal: #113 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.
How Lynn Teachers's 5300 filing moved
Lynn Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.7% from $5.0M (2025Q4) to $5.3M (2026Q1).
- Net-worth ratio shifted -0.91 pp (20.48% → 19.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 19.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.1 pts
- Return on Assets 15.0 pts
- Member Growth 9.9 pts
- Loan-to-Share Ratio 11.0 pts
Lynn Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.57% | +0.51 pp |
| Delinquency Rate | 1.65% | -0.16 pp |
| Return on Assets | 1.79% | +1.34 pp |
| Member Growth | 0.75% | - |
| Loan-to-Share Ratio | 50.50% | -13.10 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).
Lynn Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.3M | - |
| 2025Q4 | $5.0M | 669 |
| 2024Q4 | $4.8M | 664 |
| 2023Q4 | $5.0M | 656 |
Credit Union Details
- Charter Number
- 67882
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- LYNN
- Data Quarter
- 2025Q4
Branch Location
Lynn Teachers operates a single office in LYNN, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | LYNN, 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.
Cross-state Call Report peers for Lynn Teachers
Lynn Teachers's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Lynn Teachers ranks #2,531 of 4,374 nationally on financial health and #75 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Revere Firefighters is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Revere Firefighters
- 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 Lynn Teachers financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Lynn Teachers's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,531 of 4,374; by total assets it ranks #3,891 of 4,374 nationally (same basis as /rankings/largest); and #114 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.57% net worth ratio and 1.65% delinquency rate are the key drivers.
How does Lynn Teachers compare to other credit unions?
81/100 is Lynn Teachers's score on PlainCU's health composite, compared to a peer group average for $2M–$10M 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 Lynn Teachers?
Membership eligibility for Lynn Teachers depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Lynn Teachers directly for current membership requirements and application steps.
Is my money safe at Lynn Teachers?
Federal credit unions like Lynn Teachers 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 Teachers's net worth ratio of 19.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Lynn Teachers offer compared to banks?
Credit unions like Lynn Teachers 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 Teachers 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.