Lowell Firefighters Credit Union
Total assets
$27.4M
▲ +1.6% YoY
Shares & deposits
$24.1M
▲ +2.6% YoY
Loans
$15.5M
▼ -4.5% YoY
Members
1,850
▲ +7.8% YoY
ROA (annualized)
0.32%
peers 0.60%
ROE (annualized)
2.75%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +1.3% | +0.3 pts |
| Share growth (YoY) | +2.6% | +0.7% | +1.9 pts |
| Loan growth (YoY) | -4.5% | -2.4% | -2.1 pts |
| ROA | 0.32% | 0.60% | -0.3 pts |
| ROE | 2.8% | 4.1% | -1.3 pts |
ROA ranks in the 36th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 642 Chelmsford St, Lowell, MA, 01851
- NCUA charter #
- 67767
- RSSD ID
- 280893
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $27.4M | $24.1M | $15.5M | $3.2M | $22K | 0.32% | 3.36% | 0.00% | 1,850 |
| Q4 2025 | $27.1M | $23.8M | $15.6M | $3.2M | $-252K | -0.93% | 3.17% | 0.12% | 1,751 |
| Q3 2025 | $26.6M | $23.2M | $16.1M | $3.3M | $-118K | -0.59% | 3.17% | 0.00% | 1,750 |
| Q2 2025 | $27.6M | $24.1M | $16.1M | $3.5M | $-18K | -0.13% | 2.92% | 1.40% | 1,739 |
| Q1 2025 | $27.0M | $23.5M | $16.2M | $3.5M | $7K | 0.11% | 2.87% | 2.09% | 1,716 |
| Q4 2024 | $27.1M | $23.6M | $16.6M | $3.5M | $33K | 0.12% | 2.70% | 2.22% | 1,798 |
| Q3 2024 | $27.7M | $24.2M | $16.7M | $3.5M | $29K | 0.14% | 2.49% | 2.88% | 1,810 |
| Q2 2024 | $27.6M | $24.0M | $16.8M | $3.5M | $31K | 0.22% | 2.57% | 3.18% | 1,806 |
Loan mix (Q1 2026): real estate $7.1M · commercial $631K · consumer $7.2M · securities $6.8M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 0.60% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 2.8% | 4.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.83% | 30th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.5% | 81.5% | 57th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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