Charter 20600 · Ludlow, MA
Luso Federal Credit Union
Luso Federal Credit Union is a federally chartered credit union in Ludlow, Massachusetts, with $245 million in assets and 7,922 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.07%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $245 million
- +1.6% in a year
- Members
- 7,922
- +0.9% in a year
- Net worth ratio
- 11.07%
- Peer median 11.65%
- Loans 60+ days late
- 1.10%
- Peer median 0.70%
- Loans outstanding
- $192 million
- +2.3% in a year
- Shares and deposits
- $216 million
- +1.3% in a year
- Branches
- 2
- 29 employees
- Opened
- 1971
- Federal charter
How Luso Federal Credit Union compares
NCUA groups credit unions by size; Luso Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 11.07% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.10%, is higher than the group median of 0.70%. Loans grew 2.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 40 of 121 credit unions headquartered in Massachusetts. See all Massachusetts credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $245 million | 7,922 | $192 million | 11.07% | 1.10% |
| Q1 2026 | $242 million | 7,926 | $191 million | 11.06% | 0.72% |
| Q4 2025 | $239 million | 7,932 | $191 million | 11.11% | 0.88% |
| Q3 2025 | $239 million | 7,906 | $191 million | 11.08% | 1.33% |
| Q2 2025 | $241 million | 7,852 | $188 million | 10.92% | 1.62% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 466,174 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 2 sites for Luso Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- LUSO Federal Credit Union (main office)
599 East St, Ludlow, MA 01056 - Luso Federal Credit Union
1 Crane Park Dr Ste 4, Wilbraham, MA 01095
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology