Lynn Police Credit Union

Credit UnionFISCULynn, MA·Est. 1945·NCUA #67840Compare ⇄▤ Account brief

Total assets

$11.6M

▲ +10.5% YoY

Shares & deposits

$8.6M

▲ +13.3% YoY

Loans

$3.8M

▼ -13.1% YoY

Members

1,022

▲ +0.3% YoY

ROA (annualized)

0.56%

peers 0.60%

ROE (annualized)

2.15%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+10.5%	+1.3%	+9.2 pts
Share growth (YoY)	+13.3%	+0.7%	+12.6 pts
Loan growth (YoY)	-13.1%	-2.4%	-10.7 pts
ROA	0.56%	0.60%	-0.0 pts
ROE	2.2%	4.1%	-1.9 pts

ROA ranks in the 48th percentile of its peer group · Q1 2026

Profile

Established: 1945
Charter: FISCU
Primary regulator: NCUA
NCUA peer group: Peer group 3
Address: 300 Washington St, Lynn, MA, 01902
NCUA charter #: 67840
RSSD ID: 561499
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	$11.6M	$8.6M	$3.8M	$3.0M	$16K	0.56%	2.14%	0.57%	1,022
Q4 2025	$10.8M	$7.8M	$3.9M	$3.0M	$97K	0.90%	2.85%	0.10%	1,020
Q3 2025	$10.5M	$7.6M	$4.1M	$3.0M	$77K	0.98%	2.74%	0.67%	1,015
Q2 2025	$10.5M	$7.6M	$4.2M	$3.0M	$53K	1.01%	2.88%	0.50%	1,009
Q1 2025	$10.5M	$7.6M	$4.4M	$2.9M	$33K	1.27%	3.12%	1.50%	1,019
Q4 2024	$10.3M	$7.5M	$4.8M	$2.9M	$28K	0.27%	2.53%	0.19%	1,012
Q3 2024	$10.5M	$7.6M	$5.1M	$2.9M	$27K	0.34%	2.46%	1.56%	1,008
Q2 2024	$10.6M	$7.8M	$5.0M	$2.9M	$15K	0.29%	2.42%	0.92%	1,022

Signals what changed in the call reports

Loans down·Loans -13.1% YoY — Shrinking book — origination and marketing are on the agendaDeposits up·Shares & deposits +13.3% YoY — Growing franchise; likely investing in capacity

Earlier quarters (3)

Loans -20.5% YoYQ4 2025
Loans -19.1% YoYQ3 2025
Loans -14.9% YoYQ2 2025

Ratio pack Q1 2026 · peer medians from 2508 institutions

Profitability

Ratio	Lynn Police Credit Union	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.56%	0.60%	48th
Return on equity Annualized net income ÷ equity or net worth	2.2%	4.1%	36th
Net interest margin Interest income − interest expense, ÷ assets	2.14%	3.83%

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Ratio	Lynn Police Credit Union	Peer median
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%

Ratio	Lynn Police Credit Union	Peer median
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%

Ratio	Lynn Police Credit Union	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%