TellerScore

Lynn Firemens Federal Credit Union (NCUA charter #484) is based in Lynn, Massachusetts. Its Q2 2026 call report shows $20.1M in total assets and $16.1M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Lynn Firemens Federal Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 14th. Its strongest component is capital cushion (100/100; 19.62%), and its lowest is funding & liquidity (76/100; 84% loans-to-deposits, 10% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 19.62%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings83/100
Return on assets (annualized): 1.57%
Funding & liquidity76/100
Loans ÷ shares: 84.4% · 10.4% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.30%

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 4 points (85 → 89), mostly because the loan quality component improved by 19 points.

TellerScore
808895Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202494
Q3 202494
Q4 202495
Q1 202593
Q2 202585
Q3 202584
Q4 202588
Q1 202680
Q2 202689
Net worth ratio
7.00%13.31%19.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.78%
Q3 202418.30%
Q4 202418.83%
Q1 202518.43%
Q2 202519.02%
Q3 202519.33%
Q4 202518.85%
Q1 202619.36%
Q2 202619.62%
Delinquent loans (60+ days)
0.06%0.56%1.06%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.30%
Q4 20240.06%
Q1 20250.06%
Q2 20250.95%
Q3 20251.06%
Q4 20250.51%
Q1 20260.79%
Q2 20260.38%
Return on assets
0.87%1.65%2.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.34%
Q3 20242.43%
Q4 20242.28%
Q1 20251.64%
Q2 20251.71%
Q3 20251.74%
Q4 20251.51%
Q1 20260.87%
Q2 20261.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$20.1M19.62%0.38%1.57%84.4%
Q1 202680$19.8M19.36%0.79%0.87%86.5%
Q4 202588$20.1M18.85%0.51%1.51%85.5%
Q3 202584$19.3M19.33%1.06%1.74%89.4%
Q2 202585$19.2M19.02%0.95%1.71%88.9%
Q1 202593$19.3M18.43%0.06%1.64%85.2%
Q4 202495$18.5M18.83%0.06%2.28%88.6%
Q3 202494$18.5M18.30%0.30%2.43%85.3%
Q2 202494$18.4M17.78%0.30%2.34%82.6%

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 ratio19.62%
76th
Problem loans0.38%
65th
Net charge-offs0.11%
56th
Return on assets1.57%
87th
Loans to deposits84.4%
15th
Uninsured deposits10.4%
6th
Loan-loss reserves0.00%
37th
Texas ratio1.3%
61st

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
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Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs
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Deposit insurance

Is my money safe at Lynn Firemens Federal Credit Union?

Yes. Lynn Firemens Federal Credit Union is a federally insured credit union (NCUA charter #484). 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 10.4% of shares and deposits ($1.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 19.62%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Lynn Firemens Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lynn Firemens Federal Credit Union
Type
Federal credit union
NCUA charter #
484
RSSD ID
925970
Primary regulator
NCUA
Established
1935
Headquarters
30 Boston St Ste 9, Lynn, MA 01904
Employees
6

Quick answers

Lynn Firemens Federal Credit Union: common questions

Is Lynn Firemens Federal Credit Union NCUA insured?

Yes. Lynn Firemens Federal Credit Union is a federally insured credit union (NCUA charter #484). 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 Lynn Firemens Federal Credit Union's TellerScore?

89 out of 100 (Very 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 Lynn Firemens Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Lynn

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%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