Billerica Municipal Employees vs Rah
Side-by-side comparison based on NCUA quarterly call report data.
Financial Metrics Comparison
| Metric | Billerica Municipal Employees | Rah |
|---|---|---|
| Health Score 0–100, higher is better | 90 | 90 |
| Total Assets | $24.1M | $23.2M |
| Members | 1,260 | 1,840 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 17.34% | 10.82% |
| Delinquency Rate Lower = fewer past-due loans | 0.05% | 0.23% |
| Return on Assets (ROA) Higher = more profitable | 0.669% | 0.624% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 33.27% | 72.88% |
| Member Growth Year-over-year membership change | 1.4% | -2.0% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | Billerica Municipal Employees | Rah |
|---|---|---|
| Location | BILLERICA, MA | RANDOLPH, MA |
| Charter Type | State | Federal |
| Field of Membership | Other | Multiple Common Bond |
| Peer Group | $10M–$50M | $10M–$50M |
| Charter Number | 66336 | 14845 |
What This Comparison Says About Billerica Municipal Employees vs Rah
Billerica Municipal Employees (BILLERICA, MA) and Rah (RANDOLPH, MA) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. Billerica Municipal Employees holds $24.1M in assets across 1,260 members, while Rah holds $23.2M across 1,840 members. Both institutions post health scores of 90/100 and 90/100, a narrow spread that suggests similar overall financial profiles despite differences in size. Charter numbers 66336 and 14845 indicate entirely separate NCUA supervisory records; they operate under peer groups $10M–$50M and $10M–$50M respectively.
Capital adequacy is the first check: Billerica Municipal Employees's net worth ratio of 17.34% clears the NCUA's 7.0% "well capitalized" bar, while Rah posts 10.82%. Loan quality, measured as loans 60+ days past due over total loans, comes in at 0.05% for Billerica Municipal Employees and 0.23% for Rah; lower is tighter. Return on assets (NCUA 5300 Call Report) shows 0.669% versus 0.624%. Loan-to-share ratios of 33.27% and 72.88% indicate how each institution deploys member deposits, the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks, so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: Billerica Municipal Employees is currently defined as "Other" and Rah as "Multiple Common Bond", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data, contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." Billerica Municipal Employees shows 17.34% vs Rah at 10.82%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. Billerica Municipal Employees: 0.05% - Rah: 0.23%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.
What to do with this comparison
Billerica Municipal Employees and Rah score closely on the composite -- the deciding factor is likely membership eligibility, not health.
- Confirm you actually qualify: the field of membership for Billerica Municipal Employees is "Other" and for Rah is "Multiple Common Bond".
- See how Billerica Municipal Employees ranks nationally, not just against this one peer. Healthiest credit unions
- Compare either credit union against a different peer. Start a new comparison
Rates, fees, and product availability change continuously and are not reflected in quarterly Call Report data -- verify current terms directly with each credit union.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. This comparison draws directly on NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.