TellerScore

Billerica Municipal Employees Credit Union is a federally insured state-chartered credit union headquartered in Billerica, Massachusetts, in business for about 55 years. At the end of Q2 2026 it reported $23.6M in total assets and $19.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Billerica Municipal Employees Credit Union scores 91/100, which we describe as very strong. That is higher than 90% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 8th. Its strongest component is capital cushion (100/100; 17.76%), and its lowest is earnings (56/100; 0.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.76%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity100/100
Loans ÷ shares: 32.1% · 2.4% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 3 points (88 → 91), mostly because the earnings component improved by 12 points.

TellerScore
879092Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202492
Q3 202491
Q4 202490
Q1 202588
Q2 202588
Q3 202587
Q4 202589
Q1 202690
Q2 202691
Net worth ratio
7.00%13.22%19.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.21%
Q3 202419.45%
Q4 202417.80%
Q1 202517.09%
Q2 202516.28%
Q3 202516.82%
Q4 202516.92%
Q1 202617.34%
Q2 202617.76%
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 20240.00%
Q3 20240.02%
Q4 20240.00%
Q1 20250.01%
Q2 20250.08%
Q3 20250.18%
Q4 20250.05%
Q1 20260.07%
Q2 20260.00%
Return on assets
0.55%0.80%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.04%
Q3 20240.87%
Q4 20240.73%
Q1 20250.55%
Q2 20250.59%
Q3 20250.58%
Q4 20250.63%
Q1 20260.82%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$23.6M17.76%0.00%0.89%32.1%
Q1 202690$23.8M17.34%0.07%0.82%32.5%
Q4 202589$24.1M16.92%0.05%0.63%33.3%
Q3 202587$24.0M16.82%0.18%0.58%35.0%
Q2 202588$24.6M16.28%0.08%0.59%34.7%
Q1 202588$23.2M17.09%0.01%0.55%37.4%
Q4 202490$22.1M17.80%0.00%0.73%38.8%
Q3 202491$20.0M19.45%0.02%0.87%44.6%
Q2 202492$20.1M19.21%0.00%1.04%41.8%

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 ratio17.76%
68th
Problem loans0.00%
94th
Net charge-offs0.06%
62nd
Return on assets0.89%
63rd
Loans to deposits32.1%
87th
Uninsured deposits2.4%
42nd
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Rah Federal Credit UnionCredit union Randolph, MA74 out of 100, Strong$23.9M11.1%0.15%vs
Somerville School Employees Federal Credit UnionCredit union Somerville, MA85 out of 100, Very strong$22.9M17.2%0.18%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Worcester Police Department Federal Credit UnionCredit union Worcester, MA69 out of 100, Moderate$25.5M11.7%0.48%vs
Chelsea Employees Federal Credit UnionCredit union Chelsea, MA66 out of 100, Moderate$21.5M8.7%0.08%vs
Beverly Municipal Federal Credit UnionCredit union Beverly, MA69 out of 100, Moderate$25.8M8.8%0.08%vs

Deposit insurance

Is my money safe at Billerica Municipal Employees Credit Union?

Yes. Billerica Municipal Employees Credit Union is a federally insured credit union (NCUA charter #66336). 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 2.4% of shares and deposits ($453K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.76%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Billerica Municipal Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Billerica Municipal Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66336
RSSD ID
1019326
Primary regulator
State + NCUA
Established
1971
Headquarters
365 Boston Rd, Billerica, MA 01821
Employees
3

Quick answers

Billerica Municipal Employees Credit Union: common questions

Is Billerica Municipal Employees Credit Union NCUA insured?

Yes. Billerica Municipal Employees Credit Union is a federally insured credit union (NCUA charter #66336). 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 Billerica Municipal Employees Credit Union's TellerScore?

91 out of 100 (Very strong), 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 Billerica Municipal Employees Credit Union have?

1 office as of the latest NCUA data.