LUSO

Charter #20600 | MA

100M-500M (1077 CUs) Micro
32 100M-500M in MA

LUSO has 6 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 25.2% in tier
  • + Emerging Performer: Top 28.9% in tier
  • + Wallet Share Momentum: Top 34.3% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.6% in tier
  • + Average Member Relationship (AMR): Top 2.0% in tier
  • + Net Charge-Off Rate: Top 7.4% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 3.1% in tier
  • - Liquidity Strain: Bottom 32.4% in tier
  • - ROA 0.68% below tier average
  • - Efficiency ratio 17.95% above tier (higher cost structure)
  • - Delinquency rate 0.47% above tier average
  • - First Mortgage Concentration (%): Bottom 0.4% in tier
  • - Net Interest Margin (NIM): Bottom 2.5% in tier
  • - Share Certificate Concentration (%): Bottom 7.2% in tier
  • - Asset Growth Rate: Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 7,906
-0.4% YoY+0.7% QoQ
 -7.7K 15,628
-3.4% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 15.1% in tier
Assets $238.8M
-2.4% YoY-0.8% QoQ
 +$7.5M $231.3M
-0.0% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 61st in tier
Loans $191.0M
+2.2% YoY+1.7% QoQ
 +$43.2M $147.8M
-1.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 73rd in tier
Deposits $211.2M
-0.4% YoY-1.1% QoQ
 +$10.9M $200.3M
-0.0% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 62nd in tier
ROA 0.1%
-142.3% YoY+440.6% QoQ
 -0.7% 0.8%
+15.5% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 10.0% in tier
NIM 2.1%
+20.7% YoY+4.5% QoQ
 -1.5% 3.6%
+6.9% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 2.4% in tier
Efficiency Ratio 95.2%
-13.4% YoY-4.5% QoQ
 +17.9% 77.3%
-3.0% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 4.7% in tier
Delinquency Rate 1.3%
-8.0% YoY-18.2% QoQ
 +0.5 0.9%
+7.6% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Top 18.8% in tier
Loan To Share 90.4%
+2.6% YoY+2.8% QoQ
 +17.7% 72.7%
-1.5% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 14.8% in tier
AMR $50,861
+1.2% YoY-0.5% QoQ
 +$26K $24,363
+2.9% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 2.1% in tier
CD Concentration 40.4%
-1.6% YoY+0.7% QoQ
 +16.0% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.8%
+846.6% YoY-0.8% QoQ
 -12.2% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#694 of 1006 • Top 25.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.22%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#542 of 627 • Top 28.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.11%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -0.37%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Wallet Share Momentum

growth
#945 of 1006 • Top 34.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.22%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Efficiency Drag

risk
#55 of 521 • Bottom 3.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 95.22%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.36% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.37%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Liquidity Strain

risk
#252 of 258 • Bottom 32.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.44%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.23%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

18
Loan-to-Member Ratio (LMR)
engagement
Value: $24,154
Peer Avg: $10,245
#18 of 1077 Top 1.6% in 100M-500M tier
23
Average Member Relationship (AMR)
engagement
Value: $50,861
Peer Avg: $24,363
#23 of 1077 Top 2.0% in 100M-500M tier
81
Net Charge-Off Rate
risk
Value: 0.05%
Peer Avg: 0.47%
#81 of 1077 Top 7.4% in 100M-500M tier
159
Loan-to-Share Ratio
balance_sheet
Value: 90.44%
Peer Avg: 72.70%
#159 of 1077 Top 14.7% in 100M-500M tier

Top Weaknesses (11 metrics)

1074
First Mortgage Concentration (%)
balance_sheet
Value: 82.80%
Peer Avg: 30.43%
#1074 of 1077 Bottom 0.4% in 100M-500M tier
1051
Net Interest Margin (NIM)
profitability
Value: 2.10%
Peer Avg: 3.58%
#1051 of 1077 Bottom 2.5% in 100M-500M tier
1027
Efficiency Ratio
profitability
Value: 95.22%
Peer Avg: 77.28%
#1027 of 1077 Bottom 4.7% in 100M-500M tier
1000
Share Certificate Concentration (%)
balance_sheet
Value: 40.38%
Peer Avg: 23.61%
#1000 of 1077 Bottom 7.2% in 100M-500M tier
985
Asset Growth Rate
growth
Value: -2.37%
Peer Avg: 4.70%
#985 of 1077 Bottom 8.6% in 100M-500M tier
969
Return on Assets (ROA)
profitability
Value: 0.11%
Peer Avg: 0.79%
#969 of 1077 Bottom 10.1% in 100M-500M tier
914
Total Members
engagement
Value: 7,906
Peer Avg: 15,628
#914 of 1077 Bottom 15.2% in 100M-500M tier
901
Deposit Growth Rate
growth
Value: -0.37%
Peer Avg: 4.69%
#901 of 1077 Bottom 16.4% in 100M-500M tier
876
Total Delinquency Rate (60+ days)
risk
Value: 1.33%
Peer Avg: 0.86%
#876 of 1077 Bottom 18.8% in 100M-500M tier
863
Members Per Employee (MPE)
engagement
Value: 255.032
Peer Avg: 332.881
#863 of 1077 Bottom 20.0% in 100M-500M tier