TellerScore

Headquartered in Lynn, Massachusetts, Lynn Police Credit Union is a federally insured state-chartered credit union with $11.7M in total assets and $8.7M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1945.

Lynn Police Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 52nd. Capital cushion contributes the most (100/100, 25.85%); earnings contributes the least (33/100, 0.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.85%
Loan quality55/100
Loans 60+ days delinquent ÷ total loans: 1.35%
Earnings33/100
Return on assets (annualized): 0.33%
Funding & liquidity100/100
Loans ÷ shares: 43.4% · 7.7% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.67%

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 13 points (88 → 75), mostly because the loan quality component weakened by 28 points.

TellerScore
728190Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202472
Q4 202484
Q1 202581
Q2 202588
Q3 202586
Q4 202590
Q1 202684
Q2 202675
Net worth ratio
7.00%17.69%28.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202427.24%
Q3 202427.78%
Q4 202428.13%
Q1 202528.01%
Q2 202528.21%
Q3 202528.38%
Q4 202527.81%
Q1 202626.01%
Q2 202625.85%
Delinquent loans (60+ days)
0.10%0.83%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20241.56%
Q4 20240.19%
Q1 20251.50%
Q2 20250.50%
Q3 20250.67%
Q4 20250.10%
Q1 20260.57%
Q2 20261.35%
Return on assets
0.27%0.77%1.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.34%
Q4 20240.27%
Q1 20251.27%
Q2 20251.01%
Q3 20250.98%
Q4 20250.90%
Q1 20260.56%
Q2 20260.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$11.7M25.85%1.35%0.33%43.4%
Q1 202684$11.6M26.01%0.57%0.56%44.7%
Q4 202590$10.8M27.81%0.10%0.90%49.4%
Q3 202586$10.5M28.38%0.67%0.98%54.9%
Q2 202588$10.5M28.21%0.50%1.01%56.2%
Q1 202581$10.5M28.01%1.50%1.27%58.3%
Q4 202484$10.3M28.13%0.19%0.27%64.9%
Q3 202472$10.5M27.78%1.56%0.34%67.6%
Q2 202478$10.6M27.24%0.92%0.29%63.7%

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 ratio25.85%
90th
Problem loans1.35%
31st
Net charge-offs0.00%
77th
Return on assets0.33%
33rd
Loans to deposits43.4%
73rd
Uninsured deposits7.7%
11th
Loan-loss reserves0.00%
37th
Texas ratio1.7%
56th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Burlington Municipal Employees Federal Credit UnionCredit union Burlington, MA82 out of 100, Strong$11.0M15.3%0.53%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Morton Federal Credit UnionCredit union Taunton, MA72 out of 100, Strong$10.1M12.1%0.90%vs
Marblehead Municipal Federal Credit UnionCredit union Marblehead, MA82 out of 100, Strong$13.5M15.4%0.61%vs
Arlington Municipal Federal Credit UnionCredit union Arlington, MA70 out of 100, Strong$9.8M29.1%1.59%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs

Deposit insurance

Is my money safe at Lynn Police Credit Union?

Yes. Lynn Police Credit Union is a federally insured credit union (NCUA charter #67840). 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 7.7% of shares and deposits ($671K) 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 25.85%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Lynn Police Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lynn Police Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67840
RSSD ID
561499
Primary regulator
State + NCUA
Established
1945
Headquarters
300 Washington St, Lynn, MA 01902
Employees
7

Quick answers

Lynn Police Credit Union: common questions

Is Lynn Police Credit Union NCUA insured?

Yes. Lynn Police Credit Union is a federally insured credit union (NCUA charter #67840). 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 Police Credit Union's TellerScore?

75 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 Lynn Police Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

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