Overview / Commentary
156 Spring St
West Roxbury, MA 02132

Energy CU (MA) is headquartered in West Roxbury and is the 59th largest credit union in the state of Massachusetts. It is also the 1,697th largest credit union in the nation. It was established in 1931 and as of December of 2018, it had grown to 11 employees and 4,141 members at 2 locations. Energy CU (MA)'s CD rates are 68% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Energy Credit Union is open to those who live or work in the cities of Bedford, Billerica, Belmont, Burlington, Lincoln, Lexington, Newton, Waltham, Watertown, Woburn, Weston, Massachusetts or in Norfolk and Suffolk Counties. Membership is also open to employees and retirees of National Grid New England.
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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. Energy CU (MA) has a relatively low asset base.

Health Grade Components

NCUA #66369
Year Chartered1931
Primary Regulator
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD1.53%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$91.0MM$83.4MM
LoansQ4 2018vs Q4 2017$54.5MM$51.0MM
DepositsQ4 2018vs Q4 2017$67.5MM$68.1MM
Equity CapitalQ4 2018vs Q4 2017$14.9MM$14.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$203.00K$139.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$1.2MM$102.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Energy CU (MA) Savings Account Rates

0.25%*$30k*-Share Savings Account
OTHER TIERS: 0.10% $10 - $10k | 0.15% $10k - $20k | 0.20% $20k - $30k
0.25%*$30k*-IRA Share Account
OTHER TIERS: 0.10% $10 - $10k | 0.15% $10k - $20k | 0.20% $20k - $30k
0.10%$10-Vacation Club Account
0.10%$10-Holiday Club Account

Energy CU (MA) Checking Account Rates

0.05%$10-NOW Checking Account

Energy CU (MA) CD Rates

3.04%$1k-36 Month CD
3.04%$1k-60 Month CD
2.78%$1k-24 Month CD
2.27%$1k-18 Month CD
1.51%$1k-12 Month CD
0.75%$1k-6 Month CD

Energy CU (MA) IRA Rates

3.04%$1k-36 Month IRA
3.04%$1k-60 Month IRA
2.78%$1k-24 Month IRA
2.27%$1k-18 Month IRA
1.51%$1k-12 Month IRA
0.75%$1k-6 Month IRA

Energy CU (MA) Locations
Branch Office156 Spring StWest Roxbury, MA 02132
Branch Office40 Sylvan RdWaltham, MA 02451

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