LUSO
Federal • Ludlow, Massachusetts • Est. 1971
Quick Facts
- Charter Number
- #20600
- Type
- Federal
- Established
- 1971
- Headquarters
- Ludlow, Massachusetts 01056
- Address
- 599 East St
- Branches
- 2
- ATMs
- 2
- Members
- 7,932
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
7,932 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | LUSO |
|---|---|
| Total Assets | $238.8M |
| Members | 7,932 |
| Loans Outstanding | $190.7M |
| Shares & Deposits | $211.1M |
| Net Worth | $26.5M |
| Net Worth Ratio | 11.11% |
| Loan-to-Share Ratio | 90.4% |
| Delinquency Rate | 0.88% |
| Net Income | +$368,192 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
LUSO Federal Credit Union
Main Office599 East St
Ludlow, MA 01056
Luso Federal Credit Union
1 Crane Park Dr Ste 4
Wilbraham, MA 01095-1786
Who Can Join LUSO?
Membership Type: Other/Unknown
Membership eligibility for LUSO may vary. Contact the credit union directly to confirm qualification requirements.
Contact LUSO directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. LUSO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, LUSO has 7,932 members and a potential membership field of 459,358 people.
LUSO's net worth ratio is 11.11% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.1%, LUSO meets this threshold.
LUSO operates 2 branch locations and has access to 2 ATMs. The main office is located at 599 East St, Ludlow, MA 01056.
LUSO was established in 1971. It is a federal credit union chartered under charter number 20600. The institution has been serving members for 55 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or LUSO. All financial data is for informational purposes only.