Billerica Municipal Employees

BILLERICA, MA · 2 · Charter #66336 · www.billericamecu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$24.1M
69th percentile
Members
1,260
45th percentile
Total loans
$6.7M
52th percentile
Total shares
$20.0M
68th percentile

Profitability

Return on assets
0.63%
42th percentile
Net interest margin
2.00%
4th percentile
Efficiency ratio
39.93%
92th percentile
Non-interest income ratio
0.63%
11th percentile

Capital & Risk

Net worth ratio
16.92%
61th percentile
Delinquency rate
0.05%
81th percentile
Net charge-off rate
0.09%
63th percentile
Loan-to-share
33.27%
15th percentile

Growth

Member growth YoY
1.37%
80th percentile
Asset growth YoY
9.32%
91th percentile
Loan growth YoY
-5.33%
40th percentile
Share growth YoY
10.48%
92th percentile

Operations

Members / branch
1,260
56th percentile
Assets / member
$19,132
95th percentile
Field of membership penetration
63.00%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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