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Overview / Commentary
130 Whalon Street
Fitchburg, MA 01420

Family Federal Savings is headquartered in Fitchburg and is the 128th largest bank in the state of Massachusetts. It is also the 4,524th largest bank in the nation. It was established in 1877 and as of September of 2016, it had grown to 19 employees at 3 locations. Family Federal Savings has a B+ health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Family Federal Savings has a relatively low asset base.

Health Grade Components

FDIC Certificate #29962
Year Established1877
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD1.68%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$93.0MM$90.8MM
LoansQ3 2016vs Q3 2015$60.6MM$54.3MM
DepositsQ3 2016vs Q3 2015$77.4MM$75.7MM
Equity CapitalQ3 2016vs Q3 2015$11.8MM$11.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$375.00K$391.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$923.00K$973.00K
Real Estate OwnedQ3 2016vs Q3 2015$155.00K$0

Rates for Family Federal Savings are currently being reviewed.


Family Federal Savings Locations
129 Chestnut Street Branch129 Chestnut StreetNeedham, MA 02492
Family Federal Savings, F.A.130 Whalon StreetFitchburg, MA 01420
Great Road Branch149 Great RoadStow, MA 01775