BlastPoint's Credit Union Scorecard
LYNN TEACHERS
Charter #67882 · MA
LYNN TEACHERS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Net Interest Margin 0.95% above tier average
- + Efficiency Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.07% above tier average
- - Fee Income Per Member: Bottom 8.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in Massachusetts.
- Shares and deposits -3.0% year over year ($4.1M in shares and deposits).
- Membership: 661 members, -1.2% vs a year ago.
- Delinquency rate 1.62%.
- Return on assets 1.97%.
- Efficiency ratio 51.49% vs a 88.77% peer average.
- Loan-to-share ratio 44.06% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
661
-1.2% YoY-0.9% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
18,780
+3.1% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$5.2M
-2.1% YoY-1.3% QoQ
|
$-25.0M |
$30.3M
+1.5% YoY
|
$364.5M
+6.9% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$1.8M
-0.6% YoY-1.4% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$274.7M
+7.2% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$4.1M
-3.0% YoY-1.8% QoQ
|
$-21.7M |
$25.8M
+1.1% YoY
|
$301.2M
+8.1% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
2.0%
-7.0% YoY+34.3% QoQ
|
+0.5% |
1.5%
+241.5% YoY
|
0.7%
+12.3% YoY
|
1.2%
+121.4% YoY
|
Top 10.0% in tier |
| NIM |
4.8%
-5.2% YoY-0.4% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.3%
+1.4% YoY
|
3.8%
+2.3% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
51.5%
-12.3% YoY-7.8% QoQ
|
-37.3% |
88.8%
-6.9% YoY
|
80.1%
-1.4% YoY
|
83.0%
-5.3% YoY
|
Top 5.3% in tier |
| Delinquency Rate |
1.6%
-7.3% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
0.8%
-7.5% YoY
|
1.3%
+2.6% YoY
|
73% |
| Loan To Share |
44.1%
+2.4% YoY+0.5% QoQ
|
-14.8% |
58.9%
-3.1% YoY
|
71.9%
-1.9% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$8,995
-1.1% YoY-0.8% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$25,615
+4.4% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 25.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)