LEXINGTON MA
Charter #14750 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in MA
LEXINGTON MA has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 3.63% below tier average
- - Efficiency ratio 75.25% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.2% in tier
- - Loan Growth Rate: Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 6.3% in tier
- - Asset Growth Rate: Bottom 7.2% in tier
- - Net Charge-Off Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,139
-1.6% YoY-1.7% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
32nd in tier |
| Assets |
$9.3M
-8.4% YoY-9.5% QoQ
|
$-20.5M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
31st in tier |
| Loans |
$4.1M
-24.6% YoY-5.7% QoQ
|
$-11.6M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$8.6M
-6.1% YoY-7.2% QoQ
|
$-16.9M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
33rd in tier |
| ROA |
-2.9%
+776.4% YoY+406.3% QoQ
|
-3.6% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.2% in tier |
| NIM |
4.4%
+8.2% YoY+4.7% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
70th in tier |
| Efficiency Ratio |
156.6%
+45.2% YoY+54.2% QoQ
|
+75.3% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
48.4%
-19.7% YoY+1.7% QoQ
|
-12.9% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
30th in tier |
| AMR |
$11,163
-11.6% YoY-5.1% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
35th in tier |
| CD Concentration |
0.6%
+35.1% YoY+7.8% QoQ
|
-23.9% |
24.4%
+4.2% YoY
|
24.8%
+8.8% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-15.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (3 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
624
Share Certificate Concentration (%)
balance_sheet
Value:
0.55%
Peer Avg: 15.37%
#624 of 2596
Top 24.0% in <100M tier
Top Weaknesses (8 metrics)
2540
Return on Assets (ROA)
profitability
Value:
-2.95%
Peer Avg: 0.68%
#2540 of 2596
Bottom 2.2% in <100M tier
2536
Efficiency Ratio
profitability
Value:
156.65%
Peer Avg: 81.39%
#2536 of 2596
Bottom 2.3% in <100M tier
2515
Net Worth Ratio
risk
Value:
7.53%
Peer Avg: 16.43%
#2515 of 2596
Bottom 3.2% in <100M tier
2489
Loan Growth Rate
growth
Value:
-24.59%
Peer Avg: 59.01%
#2489 of 2596
Bottom 4.2% in <100M tier
2434
AMR Growth Rate
growth
Value:
-11.60%
Peer Avg: 4.67%
#2434 of 2596
Bottom 6.3% in <100M tier
2411
Asset Growth Rate
growth
Value:
-8.37%
Peer Avg: 1.82%
#2411 of 2596
Bottom 7.2% in <100M tier
2396
Net Charge-Off Rate
risk
Value:
1.65%
Peer Avg: 0.57%
#2396 of 2596
Bottom 7.7% in <100M tier
2227
Deposit Growth Rate
growth
Value:
-6.10%
Peer Avg: 16.80%
#2227 of 2596
Bottom 14.3% in <100M tier