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Overview / Commentary
888-833-5587
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 1,757th largest credit union in the nation. It was established in 1931 and as of June of 2016, it had grown to 13 employees and 4,319 members at 3 locations. Energy CU (MA) has an A 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
A
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
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD0.02%
Return on Equity - YTD0.09%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$83.4MM$82.8MM
LoansQ2 2016vs Q2 2015$40.1MM$36.0MM
DepositsQ2 2016vs Q2 2015$66.9MM$66.9MM
Equity CapitalQ2 2016vs Q2 2015$15.5MM$15.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$337.00K$315.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$164.00K$1.0MM
Real Estate OwnedQ2 2016vs Q2 2015$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
0.25%*$30k*-CESA Account
OTHER TIERS: 0.10% $10 - $10k | 0.15% $10k - $20k | 0.20% $20k - $30k
0.10%--Vacation Club Account
0.10%--Holiday Club Account

Energy CU (MA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--NOW Checking Account

Energy CU (MA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-60 Month CD
1.36%$1k-36 Month CD
1.31%$1k-18 Month CD Special
1.00%$1k-24 Month CD
0.40%$1k-12 Month CD
0.30%$1k-6 Month CD

Energy CU (MA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-60 Month IRA
1.36%$1k-36 Month IRA
1.31%$1k-18 Month IRA Special
1.00%$1k-24 Month IRA
0.40%$1k-12 Month IRA
0.30%$1k-6 Month IRA
Locations


Energy CU (MA) Locations
Branch Office156 Spring StWest Roxbury, MA 02132
Branch Office70 Fargo StBoston, MA 02210-2126
Branch Office40 Sylvan RdWaltham, MA 02451