B
Billerica Municipal Employees Credit Union
Rating Date
December 2025
Net Capital
Ratio
16.82
Leverage
Ratio
16.82
Return On
Assets
0.59%
Total
Assets
23.97M
Capital
4.03M
Total
Deposits
19.90M
Net
Income
104.00K
My Lists My Alerts
Weiss Ratings Billerica Municipal Employees Credit Union
Billerica, MA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 6.90
Profitability Index 3.30
Stability Index 7.60
Company Info Billerica Municipal Employees Credit Union
Billerica, MA 		Click to
Compare		 Click to
Compare		 Click to
Compare
NCUA Charter Number 5491
Phone Number (978) 667-2434
Website www.billericamecu.com
Asset Quality Billerica Municipal Employees Credit Union
Billerica, MA 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 19.66%
5-Year Asset Growth 6.80%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.32%
Non-Performing Loans to Loans 0.19%
Balance Sheet Billerica Municipal Employees Credit Union
Billerica, MA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 23.97M
Total Deposits 19.90M
Capital and Reserves Billerica Municipal Employees Credit Union
Billerica, MA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 4.03M
Leverage Ratio 16.82
Loan Loss Reserves to Loans 0.45%
Liquidity Billerica Municipal Employees Credit Union
Billerica, MA 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 14.21%
Liquidity Ratio 41.49%
Profitability Billerica Municipal Employees Credit Union
Billerica, MA 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.61%
Net Income 104.00K
Net Interest Spread 2.34%
Operating Profit to Average Assets 0.59%
Overhead Efficiency Ratio 71.19%
Return on Assets 0.59%
Return on Equity 3.48%