Luso-American Credit Union (NCUA charter #67890) is based in Peabody, Massachusetts. Its Q2 2026 call report shows $123.0M in total assets and $102.4M in member shares and deposits and 3 offices across 2 states.
Based on its Q2 2026 filing, Luso-American Credit Union scores 84/100, which we describe as strong. That is higher than 86% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 24th. Its strongest component is capital cushion (100/100; 16.21%), and its lowest is earnings (39/100; 0.47%).
TellerScore · Q2 2026
Scorecard
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 fell 3 points (87 → 84), mostly because the earnings component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 90 |
| Q4 2024 | 89 |
| Q1 2025 | 87 |
| Q2 2025 | 87 |
| Q3 2025 | 87 |
| Q4 2025 | 82 |
| Q1 2026 | 81 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.86% |
| Q3 2024 | 15.23% |
| Q4 2024 | 15.05% |
| Q1 2025 | 14.97% |
| Q2 2025 | 15.34% |
| Q3 2025 | 15.66% |
| Q4 2025 | 15.93% |
| Q1 2026 | 16.08% |
| Q2 2026 | 16.21% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.18% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.67% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.22% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.08% |
| Q3 2024 | 1.08% |
| Q4 2024 | 0.94% |
| Q1 2025 | 0.73% |
| Q2 2025 | 0.88% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.47% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $123.0M | 16.21% | 0.22% | 0.47% | 71.7% |
| Q1 2026 | 81 | $122.8M | 16.08% | 0.37% | 0.35% | 74.2% |
| Q4 2025 | 82 | $123.4M | 15.93% | 0.67% | 0.79% | 75.2% |
| Q3 2025 | 87 | $124.4M | 15.66% | 0.20% | 0.88% | 75.2% |
| Q2 2025 | 87 | $125.3M | 15.34% | 0.18% | 0.88% | 74.4% |
| Q1 2025 | 87 | $126.2M | 14.97% | 0.08% | 0.73% | 74.4% |
| Q4 2024 | 89 | $124.1M | 15.05% | 0.07% | 0.94% | 76.3% |
| Q3 2024 | 90 | $121.4M | 15.23% | 0.02% | 1.08% | 78.9% |
| Q2 2024 | 89 | $122.2M | 14.86% | 0.06% | 1.08% | 79.0% |
1,341 peers · $100 million – $1 billion
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).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| St. Michaels Fall River Federal Credit UnionCredit union Fall River, MA | 48 out of 100, Below average | $121.4M | 9.3% | 1.70% | vs |
| Brotherhood Credit UnionCredit union Lynn, MA | 85 out of 100, Very strong | $125.2M | 43.7% | 1.18% | vs |
| Nesc Federal Credit UnionCredit union Methuen, MA | 64 out of 100, Moderate | $125.9M | 10.6% | 0.91% | vs |
| Energy Credit UnionCredit union West Roxbury, MA | 72 out of 100, Strong | $128.8M | 16.9% | 1.43% | vs |
| Worcester Credit UnionCredit union Worcester, MA | 71 out of 100, Strong | $107.3M | 11.8% | 0.87% | vs |
| First Priority Credit UnionCredit union Boston, MA | 75 out of 100, Strong | $139.4M | 13.1% | 0.07% | vs |
Deposit insurance
Is my money safe at Luso-American Credit Union?
Yes. Luso-American Credit Union is a federally insured credit union (NCUA charter #67890). 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 7.6% of shares and deposits ($7.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 16.21%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Luso-American Credit Union lists 3 offices in 3 cities across 2 states. Most locations:
- Gloucester, MA (1)
- Grapevine, TX (1)
- Peabody, MA (1)
Identity & history
Profile
- Legal name
- Luso-American Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67890
- RSSD ID
- 101091
- Primary regulator
- State + NCUA
- Established
- 1960
- Headquarters
- 37 Tremont St, Peabody, MA 01960
- Employees
- 22
Quick answers
Luso-American Credit Union: common questions
Is Luso-American Credit Union NCUA insured?
Yes. Luso-American Credit Union is a federally insured credit union (NCUA charter #67890). 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 Luso-American Credit Union's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Luso-American Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Peabody
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Danvers Municipal Federal Credit UnionCredit union Danvers, MA | 91 out of 100, Very strong | $8.2M | 39.0% | 0.00% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |