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 110^th largest credit union in the state of Massachusetts. It is also the 3,661^st largest credit union in the nation. It was established in 1971 and as of September of 2018, it had grown to 2 employees and 1,220 members at 1 location. Billerica Municipal Employees Credit Union's CD rates are 11% higher than the national average, and it 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 Q3 2018

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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	0.61%
Return on Equity - YTD	2.9%
Annual Interest Income	$277.00K

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$15.2MM$14.4MM
Loans	Q3 2018vs Q3 2017	$3.6MM$3.3MM
Deposits	Q3 2018vs Q3 2017	$12.0MM$11.3MM
Equity Capital	Q3 2018vs Q3 2017	$3.2MM$3.1MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$26.00K$21.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$7.00K$2.00K
Real Estate Owned	Q3 2018vs Q3 2017	$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
2.00%	$3k	-	18 Month CD
1.00%	$1k	-	12 Month CD
0.60%	$2.5k	-	6 Month CD

Locations

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

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