Billerica Municipal Employees Credit Union

Billerica, MA

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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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	3.60
Stability Index	7.40

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	21.99%
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	0.02%
Non-Performing Loans to Capital	0.15%
Non-Performing Loans to Loans	0.08%

Balance Sheet	Billerica Municipal Employees Credit Union Billerica, MA	Click to Compare	Click to Compare	Click to Compare
Total Assets	24.56M
Total Deposits	20.53M

Capital and Reserves	Billerica Municipal Employees Credit Union Billerica, MA	Click to Compare	Click to Compare	Click to Compare
Capital	4.00M
Leverage Ratio	16.29
Loan Loss Reserves to Loans	0.43%

Liquidity	Billerica Municipal Employees Credit Union Billerica, MA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	15.00%
Liquidity Ratio	42.06%

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	73.00K
Net Interest Spread	2.23%
Operating Profit to Average Assets	0.62%
Overhead Efficiency Ratio	68.42%
Return on Assets	0.63%
Return on Equity	3.69%