Overview / Commentary
365 Boston Rd
Billerica, MA 01821

Billerica Municipal Employees Credit Union is headquartered in Billerica and is the 109th largest credit union in the state of Massachusetts. It is also the 3,663rd largest credit union in the nation. It was established in 1971 and as of December of 2018, it had grown to 2 employees and 1,227 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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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

NCUA #66336
Year Chartered1971
Primary Regulator
Profit Margin
Return on Assets - YTD0.71%
Return on Equity - YTD3.3%
Annual Interest Income$380.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$14.8MM$14.3MM
LoansQ4 2018vs Q4 2017$3.9MM$3.4MM
DepositsQ4 2018vs Q4 2017$11.6MM$11.2MM
Equity CapitalQ4 2018vs Q4 2017$3.2MM$3.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$27.00K$21.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$0$2.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Billerica Municipal Employees Credit Union Savings Account Rates

0.25%$25-Regular Shares

Billerica Municipal Employees Credit Union CD Rates

2.00%$3k-18 Month CD
1.00%$1k-12 Month CD
0.60%$2.5k-6 Month CD

Billerica Municipal Employees Credit Union Locations
Branch Office365 Boston RdBillerica, MA 01821

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