Billerica Municipal Employees Credit Union

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11-Month No-Penalty CD

Security & Flexibility
with Access to Funds.
Member FDIC.

1.45% APY

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1.20% APY

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 110^th largest credit union in the state of Massachusetts. It is also the 3,772^nd largest credit union in the nation. It was established in 1971 and as of June of 2017, it had grown to 2 employees and 1,239 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.
See current membership details

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Health

B

Data as of Q2 2017

Learn why bank health matters

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	-0.25%
Return on Equity - YTD	-1.17%
Annual Interest Income	$154.00K

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$14.8MM$14.9MM
Loans	Q2 2017vs Q2 2016	$3.4MM$3.0MM
Deposits	Q2 2017vs Q2 2016	$11.7MM$11.8MM
Equity Capital	Q2 2017vs Q2 2016	$3.1MM$3.1MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$21.00K$18.00K
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$3.00K$9.00K
Real Estate Owned	Q2 2017vs Q2 2016	$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