LUSO-AMERICAN
State-Chartered • Peabody, Massachusetts • Est. 1960
Quick Facts
- Charter Number
- #67890
- Type
- State-Chartered
- Established
- 1960
- Headquarters
- Peabody, Massachusetts 01960
- Address
- 37 Tremont St
- Branches
- 4
- ATMs
- 3
- Members
- 9,270
- Membership Type
- Community
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
9,270 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | LUSO-AMERICAN |
|---|---|
| Total Assets | $123.4M |
| Members | 9,270 |
| Loans Outstanding | $77.7M |
| Shares & Deposits | $103.3M |
| Net Worth | $19.7M |
| Net Worth Ratio | 15.93% |
| Loan-to-Share Ratio | 75.2% |
| Delinquency Rate | 0.67% |
| Net Income | +$1,000,986 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 ATMs
Luso American Credit Union
Main Office37 Tremont St
Peabody, MA 01960
Luso-American Credit Union
79 Lynnfield St
Peabody, MA 01960-5201
FiServ
975 William D Tate Ave
Grapevine, TX 76051-4097
Luso American Credit Union
128 Rogers St
Gloucester, MA 01930-5005
Who Can Join LUSO-AMERICAN?
Membership Type: Community
Membership eligibility for LUSO-AMERICAN may vary. Contact the credit union directly to confirm qualification requirements.
Contact LUSO-AMERICAN directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Massachusetts
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View Massachusetts RankingsFrequently Asked Questions
Yes. LUSO-AMERICAN 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-AMERICAN has 9,270 members and a potential membership field of 75,000 people.
LUSO-AMERICAN's net worth ratio is 15.93% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.9%, LUSO-AMERICAN meets this threshold.
LUSO-AMERICAN operates 4 branch locations and has access to 3 ATMs. The main office is located at 37 Tremont St, Peabody, MA 01960.
LUSO-AMERICAN was established in 1960. It is a state-chartered credit union chartered under charter number 67890. The institution has been serving members for 66 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-AMERICAN. All financial data is for informational purposes only.