Credit union
Billerica Municipal Employees Credit Union
Billerica, Massachusetts, Middlesex County, MA
$24M in total assets and 1,260 members, the 3,010th largest of 4,298 US credit unions and 90th of 121 headquartered in Massachusetts.
- NCUA charter
- 66336
- Charter
- State chartered (MA)
- Chartered
- 1971
- NCUA insured since
- 1985
- Website
- http://www.billericamecu.com
At a glance
Compared with 41 federally insured credit unions in Massachusetts with under $100 million in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $24M | 24% | $30M | |
| Loans | $6M | 10% | $16M | |
| Deposits (shares) | $19M | 22% | $26M | |
| Members | 1,260 | 15% | 1,916 | |
| Return on assets | 0.88% | 61% | 0.74% | |
| Net interest income to assets | 2.36% | 7% | 3.19% | |
| Efficiency ratio | 62.3% | 7% | 77.8% | |
| Net worth ratio | 17.76% | 83% | 12.90% | |
| Loans to shares | 32% | 7% | 61% | |
| Cost of deposits | 1.43% | 71% | 1.22% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 4.7% a year over 10 years and 4.3% a year over the last 5, without mergers. Membership grew 0.9% a year over 5 years, to 1,260.
Where they operate
0 branches in 0 counties.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2017 | 1 | |
| 2020 | 1 | 0 |
| 2023 | 1 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.00% | 0.37% |
| Net worth ratio | 17.76% | 12.90% |
| Loans to shares | 32% | 61% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Massachusetts
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.