LYNN POLICE
Charter #67840 | MA
<100M
(2596 CUs)
Micro
($0-$500M)
68 <100M in MA
LYNN POLICE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 4.4% in tier
- - Loan Growth Rate: Bottom 6.9% in tier
- - Members Per Employee (MPE): Bottom 9.4% in tier
- - AMR Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,015
+0.7% YoY+0.6% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
27,447
+2.6% YoY
|
33,089
+6.1% YoY
|
29th in tier |
| Assets |
$10.5M
+0.6% YoY+0.3% QoQ
|
$-19.3M |
$29.9M
+1.1% YoY
|
$440.2M
+4.2% YoY
|
$547.7M
+7.8% YoY
|
33rd in tier |
| Loans |
$4.1M
-19.1% YoY-2.3% QoQ
|
$-11.6M |
$15.8M
-2.4% YoY
|
$341.2M
+2.4% YoY
|
$388.7M
+8.6% YoY
|
30th in tier |
| Deposits |
$7.6M
-0.4% YoY-0.0% QoQ
|
$-17.9M |
$25.5M
+0.4% YoY
|
$366.8M
+5.5% YoY
|
$464.6M
+9.3% YoY
|
30th in tier |
| ROA |
1.0%
+188.5% YoY-2.7% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.7%
+17.3% YoY
|
0.7%
+273.4% YoY
|
60th in tier |
| NIM |
2.7%
+12.3% YoY-4.5% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.3%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio |
64.3%
-25.3% YoY-1.0% QoQ
|
-17.1% |
81.4%
-2.4% YoY
|
80.4%
-4.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 20.5% in tier |
| Delinquency Rate |
0.7%
-56.8% YoY+34.5% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
-6.0% YoY
|
1.2%
-0.9% YoY
|
50th in tier |
| Loan To Share |
54.9%
-18.7% YoY-2.3% QoQ
|
-6.3% |
61.2%
-3.0% YoY
|
74.2%
-1.7% YoY
|
68.0%
-1.7% YoY
|
40th in tier |
| AMR |
$11,525
-8.6% YoY-1.4% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$24,707
+3.7% YoY
|
$19,418
+1.3% YoY
|
37th in tier |
| CD Concentration |
47.8%
+14.6% YoY+0.8% QoQ
|
+23.4% |
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
187
Net Worth Ratio
risk
Value:
28.38%
Peer Avg: 16.43%
#187 of 2596
Top 7.2% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
533
Efficiency Ratio
profitability
Value:
64.34%
Peer Avg: 81.39%
#533 of 2596
Top 20.5% in <100M tier
Top Weaknesses (6 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2484
Share Certificate Concentration (%)
balance_sheet
Value:
47.83%
Peer Avg: 15.37%
#2484 of 2596
Bottom 4.4% in <100M tier
2417
Loan Growth Rate
growth
Value:
-19.05%
Peer Avg: 59.01%
#2417 of 2596
Bottom 6.9% in <100M tier
2353
Members Per Employee (MPE)
engagement
Value:
145.000
Peer Avg: 365.701
#2353 of 2596
Bottom 9.4% in <100M tier
2346
AMR Growth Rate
growth
Value:
-8.57%
Peer Avg: 4.67%
#2346 of 2596
Bottom 9.7% in <100M tier
2291
Net Interest Margin (NIM)
profitability
Value:
2.75%
Peer Avg: 3.93%
#2291 of 2596
Bottom 11.8% in <100M tier