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Overview / Commentary
600 Main St
Waltham, MA 02452

RTN Federal Credit Union is headquartered in Waltham and is the 9th largest credit union in the state of Massachusetts. It is also the 284th largest credit union in the nation. It was established in 1945 and as of March of 2014, it had grown to 126 employees and 48,243 members. RTN Federal Credit Union's money market rates are 14% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

There are many ways to become eligible for membership at RTN Federal Credit Union: Family Membership – If you are related to someone who is already an RTN FCU member or eligible to be a member of the Credit Union. Employee Group – If you are employed by, retired from or have a family member that is working for or is retired from one of our employer groups. View our sponsor group listing. If your employer is not on our current listing, please read about RTN @ Work for employers and encourage your company to sign up. It’s FREE! Organization Group – If you belong to specific educational and/or fraternal groups — or have a family or household member that does — you are eligible to join. View our sponsor group listing. Affiliation Membership – Membership in any one of these groups listed below qualifies you for membership in RTN FCU. The Credit Union will do all the necessary processing to help you join these groups. Just choose the organization you’re interested in: Amesbury Carriage Museum, Danvers Historical Society, Tewksbury Historical Society, Gore Place, Waltham Historical Society, and Wakefield Repertory Theatre. - 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 RTN Federal Credit Union had $2.94 million in non-current loans and owned real-estate with $77.91 million in equity and loan loss allowances on hand to cover it. This gives RTN Federal Credit Union a Texas Ratio of 3.78% 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 RTN Federal Credit Union experienced no significant changes from 3.08% as of March 31, 2013 to 3.78% as of March 31, 2014, resulting in a negative change of 22.56%. This indicates that the balance sheet and financial strength for RTN Federal Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, RTN Federal Credit Union has increased its total deposits by $12.08 million, resulting in 1.74% 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 RTN Federal 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. RTN Federal Credit Union has $807.49 million in assets with $77.91 million in equity, resulting in a capitalization level of 9.65%, which is above average.

Institution Statistics

NCUA #24311
Year Chartered1945
Primary Regulator
Assets and Liabilities
Assets$807.49 million
Loans$345.09 million
Deposits$704.28 million
Equity Capital$75.37 million
Loan Loss Allowance$2.54 million
Unbacked Noncurrent Loans$2.94 million
Real Estate Owned$0
Historic Data - March 2013
Assets$801.44 million
Equity Capital$80.32 million
Loan Loss Allowance$2.28 million
Unbacked Noncurrent Loans$2.94 million
Real Estate Owned$65,000
Profit Margin - Quarterly
Net Interest Margin1.22%
Return on Assets0.45%
Return on Equity4.82%
Interest Income$6.62 million

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RTN Federal Credit Union Savings Account Rates

0.50%--Holiday Club
0.50%--Vacation Club
0.50%--IRA Savings
0.50%--Roth IRA Savings
0.50%--CESA Savings
0.20%$25-Main Share
0.20%--Home Buyer Savings

RTN Federal Credit Union Money Market Rates

0.50%$75k-Money Market

RTN Federal Credit Union Checking Account Rates

0.20%--Dividend Checking

RTN Federal Credit Union CD Rates

1.70%$50k-60 Month CD
1.50%$50k-48 Month CD
1.45%$50k-36 Month CD
1.20%$50k-24 Month CD
0.70%$50k-12 Month CD
0.45%$50k-6 Month CD
0.30%$50k-3 Month CD

RTN Federal Credit Union IRA Rates

1.70%$50k-60 Month IRA
1.50%$50k-48 Month IRA
1.45%$50k-36 Month IRA
1.20%$50k-24 Month IRA
0.70%$50k-12 Month IRA
0.45%$50k-6 Month IRA
0.30%$50k-3 Month IRA

RTN Federal Credit Union has 21 locations. Click to view all RTN Federal Credit Union locations.