Jeanne D'Arc Credit Union is headquartered in LOWELL and is the 7th largest credit union in the state of Massachusetts. It is also the 207th largest credit union in the nation. It was established in 1911 and as of December of 2013, it had grown to 171 employees and 61,930 members. Jeanne D'Arc Credit Union's savings rates are 13X the national average, and it has a B+ health rating.
Jeanne D'Arc Credit Union Membership is available to anyone who lives, works, or attends school in Middlesex or Essex counties, the cities or towns of Fitchburg, Leominster, Harvard, Lunenburg or Lancaster, or the New Hampshire counties of Hillsborough or Rockingham. - See Details
Had a dispute with this credit union when a co-trustee who complained to this credit union about a non-existent dispute involving a non-existent investment plan that we two trustees differed on. He requested that the credit union side with him and freeze the money, which they did, failing to notify me until I attempted to use the account. Fifteen months later, there are eleven other heirs wondering where their money is.
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Jeanne D'Arc Credit Union had $4.63 million in non-current loans and owned real-estate with $86.06 million in equity and loan loss allowances on hand to cover it. This gives Jeanne D'Arc Credit Union a Texas Ratio of 5.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Jeanne D'Arc Credit Union held steady from 5.56% as of December 31, 2012 to 5.38% as of December 31, 2013, resulting in a positive change of 3.33%.This indicates that the balance sheet and financial strength for Jeanne D'Arc Credit Union has held steady in recent periods.
In the past year, Jeanne D'Arc Credit Union has increased its total deposits by $22.72 million, resulting in 2.72% 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 Jeanne D'Arc Credit Union 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. Jeanne D'Arc Credit Union has $1.03 billion in assets with $86.06 million in equity, resulting in a capitalization level of 8.38%, which is average.
|Assets and Liabilities|
|Equity Capital||$81.52 million|
|Loan Loss Allowance||$4.55 million|
|Unbacked Noncurrent Loans||$4.63 million|
|Real Estate Owned||$0|
|Historic Data - December 2012|
|Equity Capital||$84.67 million|
|Loan Loss Allowance||$5.24 million|
|Unbacked Noncurrent Loans||$4.63 million|
|Real Estate Owned||$666,000|
|Profit Margin - Quarterly|
|Net Interest Margin||3.93%|
|Return on Assets||0.44%|
|Return on Equity||5.57%|
|Interest Income||$31.46 million|
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|0.15%||$100||-||Business Statement Savings|
|0.60%||$100k||-||Money Market Account|
|0.50%||$100k||-||Business Money Market|
|1.10%||$500||-||42 Month CD|
|1.10%||$250||-||42 Month Youth CD|
|1.00%||$500||-||36 Month CD|
|1.00%||$250||-||36 Month Youth CD|
|0.90%||$500||-||30 Month CD|
|0.90%||$250||-||30 Month Youth CD|
|0.80%||$500||-||24 Month CD|
|0.80%||$250||-||24 Month Youth CD|
|0.55%||$500||-||18 Month CD|
|0.55%||$250||-||18 Month Youth CD|
|0.45%||$500||-||12 Month CD|
|0.45%||$250||-||12 Month Youth CD|
|0.30%||$500||-||6 Month CD|
|0.30%||$250||-||6 Month Youth CD|
|1.10%||$500||-||42 Month IRA (Traditional,SEP,CESA,Roth)|
|1.00%||$500||-||36 Month IRA (Traditional,SEP,CESA,Roth)|
|0.90%||$500||-||30 Month IRA (Traditional,SEP,CESA,Roth)|
|0.80%||$500||-||24 Month IRA (Traditional,SEP,CESA,Roth)|
|0.55%||$500||-||18 Month IRA (Traditional,SEP,CESA,Roth)|
|0.45%||$500||-||12 Month IRA (Traditional,SEP,CESA,Roth)|
|0.30%||$500||-||6 Month IRA (Traditional,SEP,CESA,Roth)|
|Jeanne D'Arc Credit Union Locations|
|Branch Office||150 Westford Rd||Tyngsboro, MA 01879-2511|
|Branch Office||1345 Lakeview Ave||Dracut, MA 01826-3414|
|Branch Office||658 Merrimack St||Lowell, MA 01854-3913|
|Branch Office||245 Chelmsford St||Chelmsford, MA 01824-2343|
|Branch Office||380 Merrimack St||Methuen, MA 01844-5870|
|Branch Office||1 Tremont Pl||Lowell, MA 01854-3658|
|Branch Office||50 Father Morissette Blvd||Lowell, MA 01852-1037|
|Branch Office||1540 Lakeview Ave||Dracut, MA 01826-3311|
|Branch Office||1595 Bridge St||Dracut, MA 01826-2614|