TellerScore

Headquartered in Beverly, Massachusetts, Beverly Municipal Federal Credit Union is a federal credit union with $25.8M in total assets and $22.9M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1985.

Based on its Q2 2026 filing, Beverly Municipal Federal Credit Union scores 69/100, which we describe as moderate. That is higher than only 38% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 69th. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is capital cushion (38/100; 8.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Net worth ratio: 8.79%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.08%
Earnings58/100
Return on assets (annualized): 0.94%
Funding & liquidity76/100
Loans ÷ shares: 84.2% · 7.5% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.72%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (63 → 69), mostly because the earnings component improved by 26 points.

TellerScore
636669Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202464
Q1 202564
Q2 202563
Q3 202563
Q4 202564
Q1 202665
Q2 202669
Net worth ratio
7.00%8.65%10.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.30%
Q3 20249.41%
Q4 20248.38%
Q1 20258.02%
Q2 20257.95%
Q3 20258.10%
Q4 20258.02%
Q1 20268.27%
Q2 20268.79%
Delinquent loans (60+ days)
0.00%0.09%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.11%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.09%
Q4 20250.09%
Q1 20260.18%
Q2 20260.08%
Return on assets
0.21%0.58%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.37%
Q4 20240.21%
Q1 20250.36%
Q2 20250.31%
Q3 20250.47%
Q4 20250.51%
Q1 20260.85%
Q2 20260.94%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$25.8M8.79%0.08%0.94%84.2%
Q1 202665$26.6M8.27%0.18%0.85%82.9%
Q4 202564$26.7M8.02%0.09%0.51%77.7%
Q3 202563$25.9M8.10%0.09%0.47%79.1%
Q2 202563$25.8M7.95%0.00%0.31%74.3%
Q1 202564$25.3M8.02%0.00%0.36%76.4%
Q4 202464$24.0M8.38%0.00%0.21%74.5%
Q3 202467$21.5M9.41%0.00%0.37%82.3%
Q2 202468$19.4M10.30%0.11%0.44%92.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.79%
8th
Problem loans0.08%
81st
Net charge-offs0.18%
50th
Return on assets0.94%
65th
Loans to deposits84.2%
15th
Uninsured deposits7.5%
12th
Loan-loss reserves0.00%
37th
Texas ratio0.7%
71st

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Worcester Police Department Federal Credit UnionCredit union Worcester, MA69 out of 100, Moderate$25.5M11.7%0.48%vs
Mycom Federal Credit UnionCredit union Pittsfield, MA57 out of 100, Moderate$26.7M12.9%2.33%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Rah Federal Credit UnionCredit union Randolph, MA74 out of 100, Strong$23.9M11.1%0.15%vs
Haverhill Fire Department Credit UnionCredit union Haverhill, MA71 out of 100, Strong$27.7M9.6%0.02%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs

Deposit insurance

Is my money safe at Beverly Municipal Federal Credit Union?

Yes. Beverly Municipal Federal Credit Union is a federally insured credit union (NCUA charter #24192). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.5% of shares and deposits ($1.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.79%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Beverly Municipal Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Beverly Municipal Federal Credit Union
Type
Federal credit union
NCUA charter #
24192
RSSD ID
161198
Primary regulator
NCUA
Established
1985
Headquarters
139 Cabot St, Beverly, MA 01915
Employees
4

Quick answers

Beverly Municipal Federal Credit Union: common questions

Is Beverly Municipal Federal Credit Union NCUA insured?

Yes. Beverly Municipal Federal Credit Union is a federally insured credit union (NCUA charter #24192). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Beverly Municipal Federal Credit Union's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Beverly Municipal Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Beverly

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs