LUSO
Charter #20600 · Ludlow, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.38% sits at the 5th percentile of structural peers — worth a closer look.
- On Net charge-off ratio, the asset-size band puts this credit union at the 18th percentile but its structural peers at the 54th — a 36-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LUSO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $241.78M | 61th pct | 48th pct |
| Members | 7,926 | 17th pct | 26th pct |
| Net worth ratio | 11.06% | 44th pct | 57th pct |
| Return on average assets | 0.33% | 24th pct | 34th pct |
| Net interest margin | 2.38% | 3th pct | 5th pct |
| Cost of funds | 1.96% | 87th pct | 66th pct |
| Loan-to-share | 89.31% | 88th pct | 59th pct |
| Delinquency 60+ days | 0.72% | 59th pct | 59th pct |
| Net charge-off ratio | 0.10% | 18th pct | 54th pct |
| Loan growth YoY | 0.10% | 49th pct | 38th pct |
| Share growth YoY | 1.37% | 21th pct | 33th pct |
| Efficiency ratio | 83.70% | 68th pct | 52th pct |
structural peer set hash: 273d9a9f56f1105373f552bf396b0903… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.