ENERGY
West Roxbury, MA · State Credit Union · Chartered in MA
Who can join
State government employees (special charter)
Members
5,616
Net Worth Ratio
16.69%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$129.1M
Peer Group 5
Members
5,616
as of latest quarter
Net Worth Ratio
16.69%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$129.1M
Total Shares
$107.5M
Total Loans
$88.8M
Net Income
$179K
Net Worth Ratio
16.69%
≥7% = Well Capitalized
Members
5,616
Return on Assets
0.14%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.34%
$302K
Loan-to-share ratio: 82.5%· healthy range 60–80%
Branch Locations
NCUASpring Street
156 Spring St, West Roxbury, MA, 02132
Mon to Fri, 7AM - 4PM Sat 9AM - 12PM
Peadbody Branch
12 Chestnut st, Peabody, MA, 01960
Mon, Tue & Wed: 9:00am - 4:00pm Thursday: 9:00am - 6:00pm Friday: 9:00am - 1:00pm
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/energy" target="_blank" rel="noopener">View ENERGY on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.