LOWELL MUNICIPAL EMPLOYEES
Charter #2065 · Lowell, MA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.79% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 1.54% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 92nd percentile but its structural peers at the 61st — a 31-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 | LOWELL MUNICIPAL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $8.74M | 92th pct | 61th pct |
| Members | 1,278 | 90th pct | 61th pct |
| Net worth ratio | 7.79% | 6th pct | 3th pct |
| Return on average assets | 0.51% | 53th pct | 52th pct |
| Net interest margin | 3.66% | 38th pct | 38th pct |
| Cost of funds | 1.54% | 79th pct | 75th pct |
| Loan-to-share | 59.66% | 51th pct | 46th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 28th pct |
| Loan growth YoY | -9.35% | 31th pct | 20th pct |
| Share growth YoY | 2.82% | 70th pct | 64th pct |
| Efficiency ratio | 86.15% | 51th pct | 49th pct |
structural peer set hash: 71ec2830377cb8667e25f48bebe7471e… (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.