COMMUNITY CREDIT UNION OF LYNN

Charter #67558 | MA

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

COMMUNITY CREDIT UNION OF LYNN has 6 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Strong member growth: 57.6% YoY
  • + Member Growth Rate: Top 0.5% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.7% in tier
  • + Average Member Relationship (AMR): Top 3.4% in tier
  • + Loan Growth Rate: Top 9.0% in tier
  • + Deposit Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 0.1% in tier
  • - Wealth Migration Risk: Bottom 2.7% in tier
  • - Growth-at-Risk: Bottom 4.1% in tier
  • - Efficiency Drag: Bottom 8.2% in tier
  • - Credit Quality Pressure: Bottom 12.6% in tier
  • - Liquidity Strain: Bottom 16.9% in tier
  • - ROA 1.42% below tier average
  • - Efficiency ratio 35.46% above tier (higher cost structure)
  • - Delinquency rate 0.40% above tier average
  • - AMR Growth Rate: Bottom 0.5% in tier
  • - Net Worth Ratio: Bottom 0.6% in tier
  • - Members Per Employee (MPE): Bottom 5.8% in tier
  • - Total Members: Bottom 7.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 6,490
+57.6% YoY+0.3% QoQ
 -9.1K 15,628
-3.4% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 7.3% in tier
Assets $183.8M
+7.0% YoY+0.3% QoQ
 $-47.5M $231.3M
-0.0% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 45th in tier
Loans $142.8M
+12.7% YoY+3.3% QoQ
 $-5.0M $147.8M
-1.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 58th in tier
Deposits $155.4M
+10.6% YoY+1.6% QoQ
 $-44.9M $200.3M
-0.0% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 43rd in tier
ROA -0.6%
-14.2% YoY-7.5% QoQ
 -1.4% 0.8%
+15.5% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 1.7% in tier
NIM 2.8%
-5.4% YoY-1.6% QoQ
 -0.8% 3.6%
+6.9% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 13.1% in tier
Efficiency Ratio 112.7%
-0.4% YoY-1.0% QoQ
 +35.5% 77.3%
-3.0% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 0.5% in tier
Delinquency Rate 1.3%
+23.9% YoY+63.5% QoQ
 +0.4 0.9%
+7.6% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Top 20.4% in tier
Loan To Share 91.9%
+1.9% YoY+1.7% QoQ
 +19.2% 72.7%
-1.5% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 12.3% in tier
AMR $45,943
-29.2% YoY+2.1% QoQ
 +$22K $24,363
+2.9% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 3.5% in tier
CD Concentration 18.9%
-14.3% YoY-14.6% QoQ
 -5.5% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0%
-92.0% YoY-60.3% QoQ
 -13.9% 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 (6)

Shrinking Wallet Share

decline
#2 of 244 • Bottom 0.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -29.23%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY

Wealth Migration Risk

decline
#4 of 28 • Bottom 2.7% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $45.9K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
AMR Growth (YoY): -29.23%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
Total Assets: $183.77M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
28 of 1077 Community CUs have this signature | 39 nationally
↓ Shrinking -32 CUs YoY

Growth-at-Risk

risk
#63 of 446 • Bottom 4.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 12.68%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.24% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Efficiency Drag

risk
#145 of 521 • Bottom 8.2% in tier

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

Why This Signature
Efficiency Ratio: 112.74%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.10% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 57.64%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk
#312 of 736 • Bottom 12.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.24% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Liquidity Strain

risk
#132 of 258 • Bottom 16.9% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.90%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 12.68%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

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 (6 metrics)

6
Member Growth Rate
growth
Value: 57.64%
Peer Avg: 0.72%
#6 of 1077 Top 0.5% in 100M-500M tier
30
Loan-to-Member Ratio (LMR)
engagement
Value: $22,002
Peer Avg: $10,245
#30 of 1077 Top 2.7% in 100M-500M tier
38
Average Member Relationship (AMR)
engagement
Value: $45,943
Peer Avg: $24,363
#38 of 1077 Top 3.4% in 100M-500M tier
98
Loan Growth Rate
growth
Value: 12.68%
Peer Avg: 3.45%
#98 of 1077 Top 9.0% in 100M-500M tier
107
Deposit Growth Rate
growth
Value: 10.55%
Peer Avg: 4.69%
#107 of 1077 Top 9.8% in 100M-500M tier
132
Loan-to-Share Ratio
balance_sheet
Value: 91.90%
Peer Avg: 72.70%
#132 of 1077 Top 12.2% in 100M-500M tier

Top Weaknesses (9 metrics)

1073
Efficiency Ratio
profitability
Value: 112.74%
Peer Avg: 77.28%
#1073 of 1077 Bottom 0.5% in 100M-500M tier
1073
AMR Growth Rate
growth
Value: -29.23%
Peer Avg: 3.64%
#1073 of 1077 Bottom 0.5% in 100M-500M tier
1071
Net Worth Ratio
risk
Value: 6.95%
Peer Avg: 12.15%
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1059
Return on Assets (ROA)
profitability
Value: -0.63%
Peer Avg: 0.79%
#1059 of 1077 Bottom 1.8% in 100M-500M tier
1016
Members Per Employee (MPE)
engagement
Value: 209.355
Peer Avg: 332.881
#1016 of 1077 Bottom 5.8% in 100M-500M tier
998
Total Members
engagement
Value: 6,490
Peer Avg: 15,628
#998 of 1077 Bottom 7.4% in 100M-500M tier
936
Net Interest Margin (NIM)
profitability
Value: 2.83%
Peer Avg: 3.58%
#936 of 1077 Bottom 13.2% in 100M-500M tier
921
First Mortgage Concentration (%)
balance_sheet
Value: 49.04%
Peer Avg: 30.43%
#921 of 1077 Bottom 14.6% in 100M-500M tier
858
Total Delinquency Rate (60+ days)
risk
Value: 1.26%
Peer Avg: 0.86%
#858 of 1077 Bottom 20.4% in 100M-500M tier