Billerica, Massachusetts · Peer group 3
Billerica Municipal Employees Credit Union
Billerica Municipal Employees Credit Union holds $23.8M in assets across 1,258 members as of Q1 2026 — about $19K of assets per member, on a charter dating to 1971. Charter number 66336, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $23.8M |
|---|---|
| Total loans | $6.4M |
| Total shares (deposits) | $19.7M |
| Net worth | $4.1M |
| Members | 1,258 |
| Assets per member | $19K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.8% | |
|---|---|---|
| Loans | -11.0% | around the 15th percentile of its peer group |
| Deposits | 2.5% | around the 58th percentile of its peer group |
| Members | 0.6% | around the 73rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 32.5% | around the 12th percentile of its peer group |
|---|---|---|
| Net worth ratio | 17.3% | around the 73rd percentile of its peer group |
| Return on assets | 0.82% | around the 59th percentile of its peer group |
| Delinquency ratio | 0.07% | around the 17th percentile of its peer group |
| Cash / assets | 26.7% | higher than 93% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Billerica Municipal Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- Rah Credit Union
RANDOLPH, MA
$24.0M · 1,852 members
- Somerville School Employees Credit Union
Somerville, MA
$23.1M · 1,381 members
- Attleboro M E Credit Union
Attleboro, MA
$25.2M · 1,514 members
- Worcester Police Department Credit Union
Worcester, MA
$25.2M · 1,268 members
- Chelsea Employees Credit Union
Chelsea, MA
$21.2M · 2,248 members
- Beverly Municipal Credit Union
Beverly, MA
$26.6M · 1,893 members
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