TellerScore

Lowell Municipal Employees Federal Credit Union is a federal credit union headquartered in Lowell, Massachusetts, in business for about 89 years. At the end of Q2 2026 it reported $8.8M in total assets and $8.1M in member shares and deposits.

Lowell Municipal Employees Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 76th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (29/100, 7.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion29/100
Net worth ratio: 7.86%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings40/100
Return on assets (annualized): 0.49%
Funding & liquidity100/100
Loans ÷ shares: 57.2% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (65 → 67), mostly because the funding & liquidity component improved by 18 points.

TellerScore
656871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202469
Q4 202471
Q1 202568
Q2 202565
Q3 202565
Q4 202566
Q1 202666
Q2 202667
Net worth ratio
7.00%7.75%8.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.59%
Q3 20247.90%
Q4 20248.48%
Q1 20258.51%
Q2 20258.48%
Q3 20257.79%
Q4 20257.94%
Q1 20267.79%
Q2 20267.86%
Delinquent loans (60+ days)
0.00%0.03%0.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.06%
Q3 20250.06%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.49%0.85%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.08%
Q4 20241.20%
Q1 20250.80%
Q2 20250.53%
Q3 20250.54%
Q4 20250.50%
Q1 20260.50%
Q2 20260.49%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$8.8M7.86%0.00%0.49%57.2%
Q1 202666$8.7M7.79%0.00%0.50%59.7%
Q4 202566$8.4M7.94%0.00%0.50%66.2%
Q3 202565$8.5M7.79%0.06%0.54%67.7%
Q2 202565$7.6M8.48%0.06%0.53%78.0%
Q1 202568$7.6M8.51%0.00%0.80%79.5%
Q4 202471$7.4M8.48%0.00%1.20%82.9%
Q3 202469$7.6M7.90%0.00%1.08%78.7%
Q2 202467$7.6M7.59%0.00%1.00%75.9%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.86%
4th
Problem loans0.00%
94th
Net charge-offs-0.01%
87th
Return on assets0.49%
41st
Loans to deposits57.2%
52nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.46%
77th
Texas ratio0.0%
93rd

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Dedham Town Employees Federal Credit UnionCredit union Dedham, MA64 out of 100, Moderate$9.3M13.9%2.38%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Arlington Municipal Federal Credit UnionCredit union Arlington, MA70 out of 100, Strong$9.8M29.1%1.59%vs
Morton Federal Credit UnionCredit union Taunton, MA72 out of 100, Strong$10.1M12.1%0.90%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs

Deposit insurance

Is my money safe at Lowell Municipal Employees Federal Credit Union?

Yes. Lowell Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #2065). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 7.86%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Lowell Municipal Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
2065
RSSD ID
26774
Primary regulator
NCUA
Established
1937
Headquarters
375 Merrimack St, Lowell, MA 01852
Employees
5

Quick answers

Lowell Municipal Employees Federal Credit Union: common questions

Is Lowell Municipal Employees Federal Credit Union NCUA insured?

Yes. Lowell Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #2065). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Lowell Municipal Employees Federal Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.