Luso
Luso is a credit union based in Ludlow, Massachusetts, established in 1971, with $242 million in total assets serving 7,926 members. By Trust Grade it ranks 73rd of 122 credit unions we track in Massachusetts. Its net worth ratio of 11.1% trails most similarly sized credit unions (47th percentile), versus a Massachusetts median of 12%. It was profitable over the most recent period, with a 0.32% return on assets. No consumer complaints against Luso appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Luso compares to Massachusetts peers
How we graded Luso
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.1% capital ratio)
- Profitable (ROA 0.32%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Luso over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Luso insured?
Yes. Luso is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Luso: frequently asked questions
Is Luso a good credit union?
Luso earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Strongly capitalized (11.1% capital ratio); Profitable (ROA 0.32%).
Is Luso NCUA-insured?
Yes. Luso is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Luso?
Luso holds $242 million in total assets, ranking 73rd of 122 credit unions we track in Massachusetts. It serves 7,926 members.
Does Luso have CFPB complaints?
No CFPB complaints against Luso appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
