LUSO-AMERICAN
Charter #67890 · Peabody, MA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.08% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.05% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 27th percentile but its structural peers at the 61st — a 34-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-AMERICAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $122.84M | 15th pct | 21th pct |
| Members | 9,326 | 27th pct | 61th pct |
| Net worth ratio | 16.08% | 89th pct | 82th pct |
| Return on average assets | 0.35% | 26th pct | 39th pct |
| Net interest margin | 3.36% | 32th pct | 66th pct |
| Cost of funds | 0.05% | 5th pct | 2th pct |
| Loan-to-share | 74.17% | 54th pct | 33th pct |
| Delinquency 60+ days | 0.37% | 28th pct | 30th pct |
| Net charge-off ratio | 0.07% | 14th pct | 43th pct |
| Loan growth YoY | -3.19% | 15th pct | 13th pct |
| Share growth YoY | -1.85% | 4th pct | 11th pct |
| Efficiency ratio | 90.26% | 86th pct | 70th pct |
structural peer set hash: 61437789cb3fe7c918f51e0c4cb551d0… (reproducible)
Closest structural peers
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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.