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Overview / Commentary
248 Pleasant Street
Methuen, MA 01844

NESC Federal Credit Union is headquartered in METHUEN and is the 59th largest credit union in the state of Massachusetts. It is also the 1,745th largest credit union in the nation. It was established in 1958 and as of December of 2017, it had grown to 24 employees and 8,918 members at 4 locations. NESC Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to employees and members of the credit union's select employer group. The credit union requests customers to call for more details.
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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. NESC Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #12334
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD4.35%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$85.3MM$81.1MM
LoansQ4 2017vs Q4 2016$73.8MM$67.7MM
DepositsQ4 2017vs Q4 2016$74.1MM$72.2MM
Equity CapitalQ4 2017vs Q4 2016$8.1MM$7.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$229.00K$222.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$289.00K$172.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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NESC Federal Credit Union Savings Account Rates

0.50%$25-Club Account
0.10%$25-Regular Share Account

NESC Federal Credit Union Money Market Rates

0.25%$2,500-Money Market Account

NESC Federal Credit Union Checking Account Rates

0.10%$200-Classic Checking Account

NESC Federal Credit Union CD Rates

1.76%$500-60 Month CD
1.51%$500-48 Month CD
1.51%$500-25 Month CD Special
1.26%$500-36 Month CD
1.11%$500-30 Month CD
1.00%$500-24 Month CD
1.00%$500-13 Month CD Special
0.75%$500-18 Month CD
0.50%$500-12 Month CD
0.25%$500-6 Month CD

NESC Federal Credit Union IRA Rates

1.76%$500-60 Month IRA
1.51%$500-48 Month IRA
1.26%$500-36 Month IRA
1.11%$500-30 Month IRA
1.00%$500-24 Month IRA
0.75%$500-18 Month IRA
0.50%$500-12 Month IRA
0.25%$500-6 Month IRA

NESC Federal Credit Union Locations
Branch Office244 PLEASANT STMETHUEN, MA 01844
Branch Office310 LOWELL STANDOVER, MA 01810
Branch Office14 AMESBURY STLAWRENCE, MA 01840
Branch Office248 PLEASANT STMETHUEN, MA 01844

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