# LUSO-AMERICAN
Peabody, MA · NCUA charter 67890 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/luso-american-67890

Who the members are: state charter, organized 1960. 9,326 members of 75,000 potential (12.4% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $122.8M |
| Members | 9,326 (6.0% YoY) |
| Full-time staff | 20 |
| Net worth | $19.8M |
| Net worth ratio | 16.1% (p87 of band) |
| ROA (annualized) | 0.35% (p28 of band) |
| Total delinquency | 0.37% (p29 of band) |
| Net charge-offs (annualized) | 0.07% (p17 of band) |
| Loans / shares | 74% (p59 of band) |
| Cash / assets | 35.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.37% (p32 of band) |
| Operating expense / assets | 3.24% (p34 of band) |
| Vehicles % of loans | 4% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.41% (p39 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 66% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 95% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 27% |
| Average share balance | $9,199 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $16.4M |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $29,659 |
| Loans granted, annualized | $2.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $16.4M outstanding purchased (83.2% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -3.9% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 3 | delinquency rising |  |
| 2020-12 | 2 |  | delinquency rising |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | margin squeeze |  |
| 2022-06 | 2 | delinquency rising | margin squeeze |
| 2022-09 | 1 |  | net worth falling |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 1 | assets shrinking |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 0 |  | assets shrinking, delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | net worth falling, margin squeeze |  |
| 2025-06 | 1 | delinquency rising | net worth falling, margin squeeze |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-03-21 [Sounds of Portugal: An Evening of Fado with Mariza - UMass Lowell](https://news.google.com/rss/articles/CBMioAFBVV95cUxPZ1p4dVVDVXQ4QzlpU1dhR25wVEhoR2lTVUtIcVZsS0NPNnpYNzJuT1RXWURaTW5TZGtYU2puU1JydUZtMTN3R1Nma3c5YThQdUZ1OG9nX3VtaThVaUUxaTdhNTNydXdjdW5IRVpQWm4tRDVXYXhuWmpEUnh0NDk3bHM3U2NGZThEZEJiU0M3TDBMZkdaTWhYRTdEd3JOa0R0?oc=5) · UMass Lowell
- 2024-12-16 [Boston Portuguese Festival names new president - Fall River Herald News](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNWlZScGxGS2cyUlI4XzhKWTR2QTBFbmg0bGtrWkotQnplT0JvN3dhQ1dWUjZxZkRGNkhqRmNsNHpsSU9PVTc2ZWdDQ1ZlOGphM2U2M3lhNHNTenY0b25zSFFnVnlFRUNPVGFxaTBlSUdVMV9nSXpRanp4bXhBZGVKSVlDWUNORG14Y3VRME1UM1pmdTZoTmZ4ZnRBU3luc0tTRkxhMWg3bFZlZGlxUXJqbDNfQkp0V0E4YkdUM0EyY1dpX3V2UGVxYkJodm1MN3Z1dXNvNUZvX1VscUtyY1VwRQ?oc=5) · Fall River Herald News
- 2007-08-23 [John Silva Obituary (2007) - Worcester, Peabody, Marblehead, MA - Boston Globe - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxQVzNFcW14b2dBVEc4QXhtTV9odng2SkFhSlJxWTlIb21PUTRkQVBOT3dZSzE3S1QycXotRVBicGtzSWFiM2pCQ3gtNnBzNHJoYzBydkRFa1d5OEtodG51THdoQU5wQWg2TFlNTVFkY1MzWGdicTZJRTJPcXprdVNqMlJLbFdtMTVEQlY4UXRn?oc=5) · Legacy obituary
- 2007-11-14 [Albert Lopes Obituary (2007) - Lynn, MA - Daily Item - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxNQTNsOXVlN3FDOExZajVMUWRkOXdoc3RSeHVpcU5rRG15b2hWSWNfMUtCSXY1aW1ETUpNR3hTblZ4RFk2aTN3RW52Y1JESHZxR2pNVXotRGM0WHdPMWtFS2FjQXU1bjBxT2ZFeURPUkdaMnB1cmVrUEZPdjI4OWp2dmpPbDhBZlp3b2tDWg?oc=5) · Legacy obituary
- 2007-08-23 [John Silva Obituary (2007) - Lynn, MA - Daily Item - Legacy obituary](https://news.google.com/rss/articles/CBMiigFBVV95cUxOZDZWRUhXNm5rbE0zNFgtNTlFVjNEX0JDTG5mbTQzdkNvaFlnakUxajRhQnRIb0ZNNEIxWjVycWxqSERGZHppaWdzZ2FsMUhiREhqdGI0UnViY1VDdlUwV28tTS13eWtvYThLcG5WeWtnT0l2eXJ6Smw5cmFseXhLZjBvTWZGeENyQmc?oc=5) · Legacy obituary

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67890 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/50.json (key "67890", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67890
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide