LUSO-AMERICAN

Charter #67890 | MA

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

LUSO-AMERICAN has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 10.3% in tier
  • + Organic Growth Engine: Top 16.2% in tier
  • + Organic Growth Leader: Top 20.5% in tier
  • + ROA 0.09% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 5.3% in tier
  • + Members Per Employee (MPE): Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 12.3% in tier
  • - Shrinking Wallet Share: Bottom 14.9% in tier
  • - Credit Quality Pressure: Bottom 15.3% in tier
  • - Cost Spiral: Bottom 18.9% in tier
  • - Margin Compression: Bottom 27.0% in tier
  • - Fee Income Per Member: Bottom 1.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 9,228
+1.9% YoY+0.6% QoQ
 -6.4K 15,628
-3.4% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 Bottom 24.3% in tier
Assets $124.4M
+2.5% YoY-0.7% QoQ
 $-106.9M $231.3M
-0.0% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 Bottom 16.3% in tier
Loans $78.5M
-3.0% YoY+0.0% QoQ
 $-69.3M $147.8M
-1.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 Bottom 20.9% in tier
Deposits $104.3M
+1.9% YoY-1.0% QoQ
 $-95.9M $200.3M
-0.0% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 Bottom 13.6% in tier
ROA 0.9%
-19.2% YoY-0.3% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 3.5%
-9.0% YoY+1.8% QoQ
 -0.1% 3.6%
+6.9% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 44th in tier
Efficiency Ratio 76.1%
+10.0% YoY+1.0% QoQ
 -1.2% 77.3%
-3.0% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 46th in tier
Delinquency Rate 0.2%
+837.7% YoY+14.6% QoQ
 -0.7 0.9%
+7.6% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 Bottom 11.4% in tier
Loan To Share 75.2%
-4.7% YoY+1.0% QoQ
 +2.5% 72.7%
-1.5% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 52nd in tier
AMR $19,810
-2.1% YoY-1.1% QoQ
 $-5K $24,363
+2.9% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 33rd in tier
CD Concentration 28.0%
+3.2% YoY+0.1% QoQ
 +3.6% 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 (3)

Emerging Performer

growth
#194 of 627 • Top 10.3% in tier

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

Why This Signature
Return on Assets: 0.87%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.90%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY

Organic Growth Engine

growth
#298 of 603 • Top 16.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.90%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.87%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#271 of 430 • Top 20.5% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.90%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (5)

Liquidity Overhang

risk
#191 of 552 • Bottom 12.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.66%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 75.20%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY

Shrinking Wallet Share

decline
#149 of 244 • Bottom 14.9% in tier

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

Why This Signature
AMR Growth (YoY): -2.11%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#380 of 736 • Bottom 15.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.18% 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 | New qualifier

Cost Spiral

risk
#47 of 62 • Bottom 18.9% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 6.93% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $124.43M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Margin Compression

decline
#114 of 136 • Bottom 27.0% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.87%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.21% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $124.43M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank worsening

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 (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
58
Net Charge-Off Rate
risk
Value: 0.03%
Peer Avg: 0.47%
#58 of 1077 Top 5.3% in 100M-500M tier
100
Members Per Employee (MPE)
engagement
Value: 461.400
Peer Avg: 332.881
#100 of 1077 Top 9.2% in 100M-500M tier
124
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Avg: 0.86%
#124 of 1077 Top 11.4% in 100M-500M tier
135
Net Worth Ratio
risk
Value: 15.66%
Peer Avg: 12.15%
#135 of 1077 Top 12.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1062
Fee Income Per Member
profitability
Value: $30.83
Peer Avg: $174.31
#1062 of 1077 Bottom 1.5% in 100M-500M tier
959
AMR Growth Rate
growth
Value: -2.11%
Peer Avg: 3.64%
#959 of 1077 Bottom 11.0% in 100M-500M tier
930
Total Deposits
balance_sheet
Value: $104.34M
Peer Avg: $200.29M
#930 of 1077 Bottom 13.7% in 100M-500M tier
901
Total Assets
balance_sheet
Value: $124.43M
Peer Avg: $231.30M
#901 of 1077 Bottom 16.4% in 100M-500M tier
854
Loan Growth Rate
growth
Value: -2.95%
Peer Avg: 3.45%
#854 of 1077 Bottom 20.8% in 100M-500M tier
852
Total Loans
balance_sheet
Value: $78.46M
Peer Avg: $147.80M
#852 of 1077 Bottom 21.0% in 100M-500M tier
820
First Mortgage Concentration (%)
balance_sheet
Value: 42.36%
Peer Avg: 30.43%
#820 of 1077 Bottom 24.0% in 100M-500M tier
815
Total Members
engagement
Value: 9,228
Peer Avg: 15,628
#815 of 1077 Bottom 24.4% in 100M-500M tier