TellerScore

Lynn Teachers Credit Union (NCUA charter #67882) is based in Lynn, Massachusetts. Its Q2 2026 call report shows $5.2M in total assets and $4.1M in member shares and deposits and 1 office.

Lynn Teachers Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 19th. Capital cushion contributes the most (100/100, 20.44%); loan quality contributes the least (46/100, 1.62%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.44%
Loan quality46/100
Loans 60+ days delinquent ÷ total loans: 1.62%
Earnings99/100
Return on assets (annualized): 1.98%
Funding & liquidity100/100
Loans ÷ shares: 44.1% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.74%

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 14 points (100 → 86), mostly because the loan quality component weakened by 54 points.

TellerScore
7487100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202494
Q4 202499
Q1 202596
Q2 2025100
Q3 202574
Q4 202577
Q1 202681
Q2 202686
Net worth ratio
7.00%14.89%22.79%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.02%
Q3 202421.03%
Q4 202420.48%
Q1 202519.41%
Q2 202519.21%
Q3 202522.79%
Q4 202520.48%
Q1 202619.57%
Q2 202620.44%
Delinquent loans (60+ days)
0.00%1.51%3.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.08%
Q3 20240.70%
Q4 20240.00%
Q1 20250.44%
Q2 20250.00%
Q3 20253.01%
Q4 20251.65%
Q1 20261.74%
Q2 20261.62%
Return on assets
0.95%1.75%2.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.15%
Q3 20241.96%
Q4 20241.88%
Q1 20252.32%
Q2 20252.08%
Q3 20252.56%
Q4 20250.95%
Q1 20261.47%
Q2 20261.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$5.2M20.44%1.62%1.98%44.1%
Q1 202681$5.3M19.57%1.74%1.47%43.9%
Q4 202577$5.0M20.48%1.65%0.95%50.5%
Q3 202574$4.7M22.79%3.01%2.56%54.7%
Q2 2025100$5.4M19.21%0.00%2.08%43.0%
Q1 202596$5.2M19.41%0.44%2.32%42.0%
Q4 202499$4.8M20.48%0.00%1.88%47.1%
Q3 202494$4.7M21.03%0.70%1.96%49.2%
Q2 202491$5.5M17.02%1.08%2.15%36.5%

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 ratio20.44%
78th
Problem loans1.62%
26th
Net charge-offs0.34%
36th
Return on assets1.98%
94th
Loans to deposits44.1%
73rd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.7%
44th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Revere Firefighters Federal Credit UnionCredit union Revere, MA88 out of 100, Very strong$4.8M16.3%0.00%vs
Norwood Town Employees Federal Credit UnionCredit union Norwood, MA62 out of 100, Moderate$5.8M27.1%4.88%vs
Middlesex-Essex Postal Employees Federal Credit UnionCredit union North Reading, MA92 out of 100, Very strong$4.6M37.2%0.43%vs
Health Alliance Federal Credit UnionCredit union Somerville, MA83 out of 100, Strong$6.0M16.3%1.51%vs
Belmont Municipal Federal Credit UnionCredit union Belmont, MA81 out of 100, Strong$3.7M22.9%1.73%vs
Medford Municipal Employees Federal Credit UnionCredit union Medford, MA76 out of 100, Strong$7.2M25.7%1.38%vs

Deposit insurance

Is my money safe at Lynn Teachers Credit Union?

Yes. Lynn Teachers Credit Union is a federally insured credit union (NCUA charter #67882). 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 20.44%, 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 Teachers Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Lynn Teachers Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67882
RSSD ID
286091
Primary regulator
State + NCUA
Established
1935
Headquarters
33 North Common Street, Lynn, MA 01902
Employees
2

Quick answers

Lynn Teachers Credit Union: common questions

Is Lynn Teachers Credit Union NCUA insured?

Yes. Lynn Teachers Credit Union is a federally insured credit union (NCUA charter #67882). 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 Teachers Credit Union's TellerScore?

86 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 Teachers 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