State credit union · BILLERICA, Massachusetts · NCUA charter #66336
Billerica Municipal Employees
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $24.1M
- Total assets
- 1,260
- Members
- 17.3%
- Net-worth ratio
Billerica Municipal Employees scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.1M; members 1,260; net-worth ratio 17.34%; health rank #1,048 of 4,374; healthier than 73rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,048 of 4,374 health · 2025Q4Billerica Municipal · health 90/100 · $24.1M · 2025Q4
Call Report peers
Billerica Municipal Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Billerica Municipal Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Billerica Municipal Employees sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Billerica Municipal Employees diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +2.48 pp (17.34% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 33.27% vs peer 59.80% (-26.53 pp).
Billerica Municipal Employees: in-state Call Report ranks
- Health composite ranks #26 of 126 among scored Massachusetts credit unions.
- Massachusetts assets place: #93 of 126.
- Massachusetts membership ordinal: #98 of 126.
- One place up in Massachusetts, Watertown Municipal (#25) ties at 90/100; one place down, Polish National (#27) ties at 90/100.
Billerica Municipal Employees: 2025Q4 → 2026Q1
Billerica Municipal Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $24.1M (2025Q4) to $23.8M (2026Q1).
- Net-worth ratio shifted +0.42 pp (16.92% → 17.34%).
This credit union's 17.34% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 90/100 score is built
Billerica Municipal Employees gives up 10 points in total. Loan-to-Share Ratio costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 9.4 pts
Call Report ratios for Billerica Municipal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.34% | +2.48 pp |
| Delinquency Rate | 0.05% | -1.09 pp |
| Return on Assets | 0.67% | -0.04 pp |
| Member Growth | 1.37% | - |
| Loan-to-Share Ratio | 33.27% | -26.53 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Billerica Municipal filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.8M | - |
| 2025Q4 | $24.1M | 1,260 |
| 2024Q4 | $22.1M | 1,243 |
| 2023Q4 | $19.2M | 1,229 |
Credit Union Details
- Charter Number
- 66336
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- BILLERICA
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Billerica Municipal Employees, spread across 2 cities.
| Office | City |
|---|---|
| Member Services (Main Office) | Billerica, MA |
| Main Office | billerica, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
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Nationwide credit unions with similar profiles
Using this data
- Billerica Municipal Employees ranks #1,048 of 4,374 nationally on financial health and #26 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RAH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RAH
Frequently Asked Questions
Is Billerica Municipal Employees financially healthy?
Billerica Municipal Employees has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,048 of 4,374 nationally on health and #26 of 126 in Massachusetts. Its net worth ratio is 17.34% and its delinquency rate 0.05%.
How does Billerica Municipal Employees compare to other credit unions?
Billerica Municipal Employees scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (17.34% vs 14.86%). Its widest shortfall is loan-to-share ratio (33.27% vs 59.80%).
How can I join Billerica Municipal Employees?
Membership eligibility for Billerica Municipal Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Billerica Municipal Employees directly for current membership requirements and application steps.
Is my money safe at Billerica Municipal Employees?
Billerica Municipal Employees is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Billerica Municipal Employees's net worth ratio of 17.34% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.