LUSO-AMERICAN Credit Union Profile

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LUSO-AMERICAN

Charter #67890 | NCUA Region 1 | FISCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (978) 531-5767

Fax: (978) 531-4607

Founding Date: N/A

Website: http://www.luso-american.com

Personnel & Operations

President: Costa, Sergio

Manager: Luciano, Deborah

FT Employees: 15

PT Employees: 6

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 3

Hours: Monday thru Wednesday 9:00AM to 5:00PM Thu

Credit Union Profile Summary

LUSO-AMERICAN is a FISCU Credit Union. With a total of 9,174 members ^[1], this institution manages approximately $125,293,114 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 15.34% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -3.97% ^[1].

Financial Snapshot

Total Assets ^[1]

$125,293,114

Total economic resources.

Total Loans ^[1]

$78,453,583

Total value of outstanding loans.

Total Deposits ^[1]

$105,385,074

Total funds deposited by members.

Members ^[1]

9,174

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

15.34%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.88%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

74.44%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 2.51%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -3.97%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.88%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

37 Tremont St

Peabody, MA, 01960

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 3 branches reported by LUSO-AMERICAN (Charter #67890).

Main Office

Luso American Credit Union Main Office

Type: Corporate Office

37 Tremont St

Peabody, MA 01960

Phone: (978) 531-5767

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Gloucester