Billerica Municipal Employees Credit Union

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Overview / Commentary

www.billericamecu.com

978-667-2434

365 Boston Rd
Billerica, MA 01821

Billerica Municipal Employees Credit Union is headquartered in Billerica and is the 114^th largest credit union in the state of Massachusetts. It is also the 3,793^rd largest credit union in the nation. It was established in 1971 and as of June of 2016, it had grown to 2 employees and 1,274 members at 1 location. Billerica Municipal Employees Credit Union has a B+ health rating.

Field of Membership Restrictions

Billerica Municipal Employees CU is open to employees of the township, Shawsheen Technical School, Billerica Public School, Elected officials, and their families.
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Health

B+

Data as of Q2 2016

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Billerica Municipal Employees Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	66336
Year Chartered	1971
Employees	2
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.04%
Return on Equity - YTD	-0.19%
Annual Interest Income	$149.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$14.9MM$14.3MM
Loans	Q2 2016vs Q2 2015	$3.0MM$2.5MM
Deposits	Q2 2016vs Q2 2015	$11.8MM$11.2MM
Equity Capital	Q2 2016vs Q2 2015	$3.1MM$3.1MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$18.00K$16.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$9.00K$0
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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Billerica Municipal Employees Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.25%	$25	-	Regular Shares

Billerica Municipal Employees Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.70%	$500	-	12 Month CD
0.55%	$2,500	-	6 Month CD

Locations

Billerica Municipal Employees Credit Union Locations
Branch Office	365 Boston Rd	Billerica, MA 01821