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Energy CU (MA)


Overview / Commentary
617-325-1999
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 1,721st largest credit union in the nation. It was established in 1931 and as of March of 2019, it had grown to 11 employees and 4,175 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.
See current membership details

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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. Energy CU (MA) has a relatively low asset base.

Health Grade Components

Overall
NCUA #66369
Year Chartered1931
Employees11
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD2.97%
Annual Interest Income$827.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$90.4MM$89.5MM
LoansQ1 2019vs Q1 2018$57.6MM$51.8MM
DepositsQ1 2019vs Q1 2018$67.5MM$69.3MM
Equity CapitalQ1 2019vs Q1 2018$15.2MM$14.6MM
Loan Loss AllowanceQ1 2019vs Q1 2018$210.00K$123.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$351.00K$365.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$10-NOW Checking Account

Energy CU (MA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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

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