Overview / Commentary
248 Pleasant Street
Methuen, MA 01844

NESC Federal Credit Union is headquartered in METHUEN and is the 61st largest credit union in the state of Massachusetts. It is also the 1,755th largest credit union in the nation. It was established in 1958 and as of September of 2018, it had grown to 21 employees and 8,752 members at 4 locations. NESC Federal Credit Union's money market rates are 14% higher than the national average, and it has an A 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 - YTD0.43%
Return on Equity - YTD4.5%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$85.8MM$84.2MM
LoansQ3 2018vs Q3 2017$75.2MM$71.8MM
DepositsQ3 2018vs Q3 2017$76.1MM$75.3MM
Equity CapitalQ3 2018vs Q3 2017$8.4MM$8.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$256.00K$232.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$168.00K$229.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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NESC Federal Credit Union Savings Account Rates

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

NESC Federal Credit Union Money Market Rates

0.50%$2.5k-Money Market Account

NESC Federal Credit Union Checking Account Rates

0.10%$200-Classic Checking Account

NESC Federal Credit Union CD Rates

2.27%$500-60 Month CD
2.27%$500-15 Month CD Special
2.02%$500-48 Month CD
1.76%$500-36 Month CD
1.51%$500-24 Month CD
1.51%$500-30 Month CD
1.26%$500-18 Month CD
1.00%$500-12 Month CD
0.50%$500-6 Month CD

NESC Federal Credit Union IRA Rates

2.27%$500-60 Month IRA
2.02%$500-48 Month IRA
1.76%$500-36 Month IRA
1.51%$500-24 Month IRA
1.51%$500-30 Month IRA
1.26%$500-18 Month IRA
1.00%$500-12 Month IRA
0.50%$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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