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West Springfield Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.50%1-year CD12 Months Share Certificate
0.10%SavingsShare Account
0.75%2-year CD24 Months Share Certificate

Overview / Commentary
413-733-6108
58 Union Street
West Springfield, MA 01089

West Springfield Federal Credit Union is headquartered in West Springfield and is the 88th largest credit union in the state of Massachusetts. It is also the 3,004th largest credit union in the nation. It was established in 1960 and as of September of 2016, it had grown to 4 employees and 2,935 members at 1 location. West Springfield Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, worship, attend school or work in, and businesses located in West Springfield.
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. West Springfield Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #13781
Year Chartered1960
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD-0.1%
Return on Equity - YTD-1.28%
Annual Interest Income$467.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$28.3MM$26.9MM
LoansQ3 2016vs Q3 2015$9.2MM$8.4MM
DepositsQ3 2016vs Q3 2015$26.0MM$24.6MM
Equity CapitalQ3 2016vs Q3 2015$2.3MM$2.3MM
Loan Loss AllowanceQ3 2016vs Q3 2015$98.00K$50.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$181.00K$117.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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West Springfield Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$25-Share Account

West Springfield Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-24 Months Share Certificate
0.50%$1k-12 Months Share Certificate
0.50%$1k-18 Months Share Certificate
0.40%$1k-6 Months Share Certificate

West Springfield Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$1k-24 Months IRA
0.50%$1k-12 Months IRA
0.50%$1k-18 Months IRA
0.40%$1k-6 Months IRA
Locations


West Springfield Federal Credit Union Locations
Branch Office58 Union StWest Springfield, MA 01089-3317