Credit Union Of The Berkshires


Overview / Commentary
413-443-1313
744 Williams St
Pittsfield, MA 01201

Credit Union Of The Berkshires is headquartered in Pittsfield and is the 95th largest credit union in the state of Massachusetts. It is also the 3,320th largest credit union in the nation. It was established in 1939 and as of June of 2019, it had grown to 4 employees and 1,930 members at 2 locations. Credit Union Of The Berkshires' CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

CU of the Berkshires is open to the residents, registered students, and people maintaining employment in Berkshire County.
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Health
B+
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. Credit Union Of The Berkshires has a low asset base.

Health Grade Components

Overall
NCUA #67758
Year Chartered1939
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD-0.22%
Return on Equity - YTD-1.66%
Annual Interest Income$279.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$20.6MM$19.5MM
LoansQ2 2019vs Q2 2018$7.0MM$6.8MM
DepositsQ2 2019vs Q2 2018$17.9MM$16.8MM
Equity CapitalQ2 2019vs Q2 2018$2.7MM$2.7MM
Loan Loss AllowanceQ2 2019vs Q2 2018$171.00K$157.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$46.00K$26.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$0
Rates
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Credit Union Of The Berkshires Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%--Variable IRA
0.10%--Regular Share Account
0.10%--Holiday Club Account
0.10%--Vacation Club Account

Credit Union Of The Berkshires Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%$50k-Diamond Money Market Share Account
0.25%$20k$50kGold Money Market Share Account
0.15%$5k$20kSilver Money Market Share Account

Credit Union Of The Berkshires Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Share Draft Account

Credit Union Of The Berkshires CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-12 Month Share Certificate Special
2.02%$500-24 Month Share Certificate Special
2.02%$500-36 Month Share Certificate Special

Credit Union Of The Berkshires IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-12 Month IRA Certificate Special
2.02%$500-24 Month IRA Certificate Special
2.02%$500-36 Month IRA Certificate Special
Locations


Credit Union Of The Berkshires Locations
Branch Office744 Williams StPittsfield, MA 01201-7402
Corporate Office150 West StPittsfield, MA 01201-9114

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