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P.O. Box 4290
Brockton, MA 02303

Crescent CU (MA) is headquartered in Brockton and is the 24th largest credit union in the state of Massachusetts. It is also the 519st largest credit union in the nation. It was established in 1919 and as of March of 2014, it had grown to 93 employees and 49,682 members. Crescent CU (MA) has a A health rating.

Field of Membership Restrictions

Credit union membership is open to those who live or work in Plymouth, Bristol, Norfolk, or Barnstable counties in Massachusetts. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Crescent CU (MA) had $2.07 million in non-current loans and owned real-estate with $53.96 million in equity and loan loss allowances on hand to cover it. This gives Crescent CU (MA) a Texas Ratio of 3.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Crescent CU (MA) decreased slightly from 4.36% as of March 31, 2013 to 3.83% as of March 31, 2014, resulting in a positive change of 12.05%.This indicates that the balance sheet and financial strength for Crescent CU (MA) has improved slightly in recent periods.

Deposit Growth


In the past year, Crescent CU (MA) has increased its total deposits by $478,000, resulting in 0.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Crescent CU (MA) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Crescent CU (MA) has $424.23 million in assets with $53.96 million in equity, resulting in a capitalization level of 12.72%, which is excellent.

Institution Statistics

NCUA #68048
Year Chartered1919
Primary Regulator
Assets and Liabilities
Assets$424.23 million
Loans$346.92 million
Deposits$305.00 million
Equity Capital$52.19 million
Loan Loss Allowance$1.77 million
Unbacked Noncurrent Loans$2.07 million
Real Estate Owned$0
Historic Data - March 2013
Assets$401.31 million
Equity Capital$50.54 million
Loan Loss Allowance$2.38 million
Unbacked Noncurrent Loans$2.07 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.35%
Return on Equity2.88%
Interest Income$3.19 million

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Crescent CU (MA) Savings Account Rates

0.05%--Passbook Savings
0.05%--Statement Savings
0.05%--Club Account

Crescent CU (MA) Money Market Rates

0.35%$50k-Maximum Money Market

Crescent CU (MA) Checking Account Rates

2.00%-$5keRewards Checking - Qualifying
0.15%--Relationship Checking
0.10%--eRewards Checking - Non Qualifying
0.05%--Crescent 62 Checking

Crescent CU (MA) CD Rates

1.05%$1k-5 Year Certificate
0.85%$1k-4 Year Certificate
0.75%$1k-3 Year Certificate
0.70%$1k-2 ½ Year Certificate
0.65%$1k-2 Year Certificate
0.50%$1k-18 Month Certificate
0.45%$1k-15 Month Certificate
0.35%$1k-1 Year Certificate
0.30%$1k-9 Month Certificate
0.20%$1k-6 Month Certificate
0.15%$1k-91 Day Certificate

Crescent CU (MA) IRA Rates

1.05%$1k-5 Year IRA Certificate
0.85%$1k-4 Year IRA Certificate
0.75%$1k-3 Year IRA Certificate
0.70%$1k-2 ½ Year IRA Certificate
0.65%$1k-2 Year IRA Certificate
0.50%$1k-18 Month IRA Certificate
0.45%$1k-15 Month IRA Certificate
0.35%$1k-1 Year IRA Certificate
0.30%$1k-9 Month IRA Certificate
0.20%$1k-6 Month IRA Certificate
0.15%$1k-91 Day IRA Certificate

Crescent CU (MA) Locations
Branch Office835 Oak StBrockton, MA 02301
Branch Office225 Liberty StBrockton, MA 02301-7506
Branch Office1300 Belmont St 2nd and 3rd FloorsBrockton, MA 02301
Branch Office115 Commercial StBrockton, MA 02302
Branch Office1219 Main StBrockton, MA 02301
Branch Office951 County StTaunton, MA 02780
Branch Office715 Crescent St Shaw's Eastside SupermarketBrockton, MA 02302
Branch Office1300 Belmont St 1st FloorBrockton, MA 02301
Branch Office200 Myles Standish BlvdTaunton, MA 02780
Branch Office85 Pond StNorwell, MA 02061