CRA for Banks and Credit Unions - Ratings and Public Evaluations

Ratings Which Became Public As Of April 30, 2013 ¹

Key to Ratings:

O - Outstanding
HS - High Satisfactory
S - Satisfactory
NI - Needs to Improve
SNC - Substantial Noncompliance

The Massachusetts Community Reinvestment Act (CRA) requires the Division of Banks (Division) to use its authority when examining financial institutions subject to its supervision, to assess the institution's record of meeting the needs of its entire assessment area, including low and moderate-income neighborhoods, consistent with the safe and sound operation of the institution. Upon conclusion of such examination, the Division must prepare a written evaluation of the institution's record of meeting the credit needs of its assessment area. This written evaluation is public information and can be obtained through the institution or its supervisory agency. While the content of the Public Evaluation might vary depending on the nature of the institution examined and the assessment method used, the public portion of the evaluation generally contains the following information:

The institution's CRA rating.
A description of the financial institution.
A description of the financial institution's assessment area.
Conclusions regarding the financial institution's CRA performance, including the facts, data, and analyses that were used to form such conclusions.

Copies of the most recent Public Evaluations issued by the Division may be downloaded by clicking on "YES" in the PE (Public Evaluation) column in the table below. Copies of Public Evaluations may also be obtained by contacting the institution directly or through the Division's Consumer Assistance Unit.

Please note that in addition to being examined by the Division for compliance with the Massachusetts CRA, most Massachusetts chartered banks are also examined for compliance with the ederal CRA by the Federal Deposit Insurance Corporation (FDIC). Information regarding CRA ratings and Public Evaluations issued by the FDIC may be obtained on their web site at http://www2.fdic.gov/crapes/

Notes:

Public Evaluations are provided in Adobe Acrobat Portable Document Format (PDF).

A-B / C-D / E-F / G-H / I-J / K-L / M-N / O-P / Q-R / S-T / U-V-W / X-Y-Z

Institution	Location	Exam Date	Rating	PE
ABINGTON BANK	Abington	08/24/09	S	YES
ADAMS CO-OPERATIVE BANK	Adams	09/20/10	O	YES
ALDENVILLE CREDIT UNION	Chicopee	10/31/07	S	YES
ALLCOM CREDIT UNION	Worcester	07/01/08	S	YES
ALPHA CREDIT UNION	Boston	04/14/08	HS	YES
ATHOL CREDIT UNION	Athol	05/04/09	S	YES
ATHOL SAVINGS BANK	Athol	03/30/11	HS	YES
ATHOL-CLINTON CO-OPERATIVE BANK	Athol	12/20/05	HS	YES
AVIDIA BANK	Hudson	4/05/10	S	YES
AVON CO-OPERATIVE BANK	Avon	01/17/12	S	YES
BANK OF CAPE COD	Hyannis	08/29/11	S	YES
BANK OF EASTON, A CO-OPERATIVE BANK	Easton	10/05/10	S	YES
BANK OF FALL RIVER, A CO-OPERATIVE BANK	Fall River	03/20/06	O	YES
BANK OF NEW ENGLAND	Salem, NH	10/26/09	S	YES
BANK OF WESTERN MASSACHUSETTS, THE	Springfield	05/15/06	O	YES
BANKFIVE	Fall River	03/26/12	O	YES
BANKGLOUCESTER	Gloucester	02/14/11	HS	YES
BARRE SAVINGS BANK	Barre	03/12/08	S	YES
BAY STATE SAVINGS BANK	Worcester	05/06/11	O	YES
BELMONT SAVINGS BANK	Belmont	08/10/11	S	YES
BERKSHIRE BANK	Pittsfield	02/02/09	HS	YES
BEVERLY CO-OPERATIVE BANK	Beverly	02/13/12	S	YES
BILLERICA MUNICIPAL EMPLOYEES CREDIT UNION	Billerica	12/08/09	S	YES
BLUE HILLS BANK	Boston	05/25/12	S	YES
BOSTON FIREFIGHTERS CREDIT UNION	Boston	12/29/08	S	YES
BOSTON PRIVATE BANK & TRUST COMPANY	Boston	06/20/11	O	YES
BOSTON TRUST & INVESTMENT MANAGEMENT COMPANY	Boston	11/29/11	S	YES
BRAINTREE CO-OPERATIVE BANK, THE	Braintree	05/24/10	S	YES
BRIDGEWATER CREDIT UNION	Bridgewater	08/02/10	S	YES
BRIDGEWATER SAVINGS BANK	Raynham	12/13/10	S	YES
BRISTOL COUNTY SAVINGS BANK	Taunton	10/19/09	O	YES
BROCKTON POSTAL EMPLOYEES CREDIT UNION	Brockton	11/14/11	S	YES
BROOKLINE MUNICIPAL CREDIT UNION	Brookline	05/23/11	S	YES
BROTHERHOOD CREDIT UNION	Lynn	01/05/11	S	YES
BUTLER BANK	Lowell	10/14/03	S	YES
CABOT BOSTON CREDIT UNION	Boston	10/01/08	S	YES
CAMBRIDGE PORTUGUESE CREDIT UNION	Cambridge	12/08/08	HS	YES
CAMBRIDGE SAVINGS BANK	Cambridge	04/25/11	O	YES
CAMBRIDGE TRUST COMPANY	Cambridge	01/25/11	S	YES
CANTON CO-OPERATIVE BANK	Canton	02/27/12	S	YES
CAPE ANN SAVINGS BANK	Gloucester	06/04/12	HS	YES
CAPE COD CO-OPERATIVE BANK	Hyannis	05/02/11	S	YES
CAPE COD FIVE CENTS SAVINGS BANK	Harwichport	09/17/10	O	YES
CENTRAL CO-OPERATIVE BANK	Somerville	06/14/10	HS	YES
CENTURY BANK AND TRUST COMPANY	Somerville	06/06/11	S	YES
CHARLES RIVER BANK	Medway	10/01/12	S	YES
CHELSEA BANK	Chelsea	11/30/09	HS	YES
CHICOPEE MUNICIPAL EMPLOYEES CREDIT UNION	Chicopee	05/05/08	S	YES
CHICOPEE SAVINGS BANK	Chicopee	12/21/09	O	YES
CITIZENS-UNION SAVINGS BANK	Fall River	11/15/10	HS	YES
CITY OF BOSTON CREDIT UNION	Boston	11/27/12	S	YES
CLINTON SAVINGS BANK	Clinton	10/15/12	S	YES
COLONIAL CO-OPERATIVE BANK	Gardner	03/12/07	HS	YES
COMMERCE BANK & TRUST COMPANY	Worcester	05/02/11	S	YES
COMMONWEALTH CO-OPERATIVE BANK	Boston	10/29/07	S	YES
COMMONWEALTH UTILITIES EMPLOYEES CREDIT UNION	Marion	10/05/07	S	YES
COMMUNITY BANK, A MASSACHUSETTS CO-OPERATIVE BANK	Brockton	10/30/03	S	YES
COMMUNITY CREDIT UNION OF LYNN	Lynn	08/20/07	HS	YES
COUNTRY BANK FOR SAVINGS	Ware	07/24/12	HS	YES
CREDIT UNION OF THE BERKSHIRES	Pittsfield	05/13/08	S	YES
CRESCENT CREDIT UNION	Brockton	09/28/09	HS	YES
DANVERSBANK	Danvers	07/14/08	HS	YES
DEAN CO-OPERATIVE BANK	Franklin	03/30/12	S	YES
DEDHAM INSTITUTION FOR SAVINGS	Dedham	06/20/11	S	YES
EAGLE BANK	Everett	07/02/12	HS	YES
EAST BOSTON SAVINGS BANK	Boston	11/17/11	S	YES
EAST CAMBRIDGE SAVINGS BANK	Cambridge	06/01/10	S	YES
EASTERN BANK	Lynn	06/20/11	O	YES
EASTHAMPTON SAVINGS BANK	Easthampton	12/19/11	S	YES
ECONOMY CO-OPERATIVE BANK	Merrimack	10/14/08	S	YES
ENERGY CREDIT UNION	Boston	11/17/08	S	YES
ENTERPRISE BANK AND TRUST COMPANY	Lowell	11/01/10	S	YES
EQUITABLE CO-OPERATIVE BANK	Lynn	08/16/10	S	YES
EVERETT CO-OPERATIVE BANK	Everett	10/15/12	S	YES
EVERETT CREDIT UNION	Everett	03/14/11	S	YES
FALL RIVER MUNICIPAL EMPLOYEES CREDIT UNION	Fall River	01/12/09	S	YES
FAMILYFIRST BANK	Ware	09/19/08	S	YES
FENWAL CREDIT UNION	Ashland	08/28/06	S	YES
FIDELITY CO-OPERATIVE BANK	Leominster	02/01/10	S	YES
FIDELITY MANAGEMENT TRUST COMPANY	Boston	12/20/11	S	YES
FIDUCIARY TRUST COMPANY	Boston	12/27/11	S	YES
FIRST CHOICE CREDIT UNION	Lawrence	04/27/09	HS	YES
FIRST PRIORITY CREDIT UNION	Boston	02/08/10	S	YES
FLORENCE SAVINGS BANK	Florence	06/27/11	HS	YES
FREEDOM CREDIT UNION	Springfield	02/07/12	S	YES
GLOUCESTER FIRE DEPARTMENT CREDIT UNION	Gloucester	01/04/06	O	YES
GLOUCESTER MUNICIPAL CREDIT UNION	Gloucester	07/09/08	S	YES
GRAFTON SURBURBAN CREDIT UNION	Grafton	10/14/08	S	YES
GRANITE SAVINGS BANK	Rockport	10/06/06	S	YES
GREATER SPRINGFIELD CREDIT UNION	Springfield	04/15/09	S	YES
GREENFIELD CO-OPERATIVE BANK	Greenfield	03/30/12	O	YES
GREENFIELD SAVINGS BANK	Greenfield	02/19/08	O	YES
HAMPDEN BANK	Springfield	08/15/11	O	YES
HARBORONE CREDIT UNION	Brockton	08/25/08	O	YES
HARVARD UNIVERSITY EMPLOYEES CREDIT UNION	Cambridge	07/23/12	S	YES
HAVERHILL BANK	Haverhill	06/01/09	S	YES
HAVERHILL CREDIT UNION	Haverhill	11/13/06	S	YES
HAVERHILL FIRE DEPARTMENT CREDIT UNION	Haverhill	10/10/06	O	YES
HINGHAM INSTITUTION FOR SAVINGS	Hingham	03/30/12	S	YES
HOLBROOK CO-OPERATIVE BANK	Holbrook	02/21/06	S	YES
HOLYOKE CREDIT UNION	Holyoke	09/15/09	HS	YES
HOLYOKE POSTAL CREDIT UNION	Holyoke	07/15/08	S	YES
HOMETOWN BANK, A CO-OPERATIVE BANK	Webster	05/02/06	S	YES
HOOSAC BANK	North Adams	01/22/12	S	YES
HTM CREDIT UNION	Haverhill	06/10/08	S	YES
INDUSTRIAL CREDIT UNION	Boston	02/10/09	S	YES
INSTITUTION FOR SAVINGS IN NEWBURYPORT	Newburyport	08/15/11	S	YES
JEANNE D'ARC CREDIT UNION	Lowell	09/10/12	O	YES
LANDMARK CREDIT UNION	North Adams	11/14/07	S	YES
LAWRENCE POSTAL EMPLOYEES CREDIT UNION	Lawrence	05/01/08	S	YES
LEE BANK	Lee	05/31/11	S	YES
LEGACY BANKS	Pittsfield	06/22/09	HS	YES
LEOMINSTER CREDIT UNION	Leominster	02/06/12	S	YES
LIBERTY BAY CREDIT UNION	Boston	02/05/07	S	YES
LOWELL CO-OPERATIVE BANK	Lowell	01/18/11	S	YES
LOWELL FIREFIGHTERS CREDIT UNION	Lowell	02/01/10	S	YES
LOWELL FIVE CENT SAVINGS BANK	Lowell	10/05/11	S	YES
LUSO-AMERICAN CREDIT UNION	Peabody	07/23/12	S	YES
LYNN MUNICIPAL EMPLOYEES CREDIT UNION	Lynn	06/03/08	S	YES
LYNN POLICE CREDIT UNION	Lynn	09/08/09	S	YES
LYNN TEACHERS CREDIT UNION	Lynn	09/13/10	S	YES
MALDEN CITY EMPLOYEES CREDIT UNION	Malden	05/01/08	S	YES
MANSFIELD CO-OPERATIVE BANK	Mansfield	12/14/11	S	YES
MARBLEHEAD SAVINGS BANK	Marblehead	02/17/09	O	YES
MARLBOROUGH SAVINGS BANK	Marlborough	11/02/09	HS	YES
MARTHA'S VINEYARD SAVINGS BANK	Edgartown	04/30/10	O	YES
MASS BAY CREDIT UNION	Boston	11/22/10	S	YES
MASSACHUSETTS POSTAL EMPLOYEES CREDIT UNION	Lynn	12/21/09	HS	YES
MASSACHUSETTS STATE EMPLOYEES CREDIT UNION	Boston	08/15/05	S	YES
MAYFLOWER CO-OPERATIVE BANK	Middleborough	03/09/09	O	YES
MECHANICS CO-OPERATIVE BANK	Taunton	01/24/11	HS	YES
MEETINGHOUSE CO-OPERATIVE BANK	Dorchester	05/13/05	S	YES
MELROSE CO-OPERATIVE BANK	Melrose	01/22/09	S	YES
MEMBERS PLUS CREDIT UNION	Boston	12/10/03	S	YES
MERCANTILE BANK AND TRUST COMPANY	Boston	02/14/11	O	YES
MERRIMAC SAVINGS BANK	Merrimac	07/26/10	S	YES
METHUEN CO-OPERATIVE BANK	Methuen	12/28/06	S	YES
METRO CREDIT UNION	Chelsea	09/21/09	HS	YES file size 1MB
MIDDLESEX SAVINGS BANK	Natick	11/30/09	O	YES
MILLBURY SAVINGS BANK	Millbury	06/07/10	S	YES
MONSON SAVINGS BANK	Monson	12/20/10	S	YES
MUTUALONE BANK	Framingham	05/07/12	S	YES
NEEDHAM BANK	Needham	12/10/12	S	YES
NEW BEDFORD CREDIT UNION	New Bedford	06/09/08	S	YES
NEWBURYPORT FIVE CENTS SAVINGS BANK	Newburyport	06/04/12	HS	YES
NEWTON MUNICIPAL CREDIT UNION	Newton	04/22/08	S	YES
NEWTON TEACHERS CREDIT UNION	Newton	11/14/12	S	YES
NORTH BROOKFIELD SAVINGS BANK	North Brookfield	06/30/10	S	YES file size 2MB
NORTH CAMBRIDGE CO-OPERATIVE BANK	Cambridge	01/11/10	S	YES
NORTH EASTON SAVINGS BANK	North Easton	03/14/11	S	YES
NORTH MIDDLESEX SAVINGS BANK	Ayer	09/06/11	HS	YES
NORTH SHORE BANK, A CO-OPERATIVE BANK	Peabody	02/16/10	S	YES
NORTHAMPTON CO-OPERATIVE BANK	Northampton	08/13/12	S	YES
NORTHERN BANK & TRUST COMPANY	Woburn	09/03/10	S	YES
NORTHERN MA TELEPHONE WORKERS' COMMUNITY CREDIT UNION	Lowell	02/29/12	HS	YES
NORTHMARK BANK	North Andover	03/19/12	S	YES
NORWOOD CO-OPERATIVE BANK	Norwood	05/17/10	S	YES
NUVO BANK & TRUST COMPANY	Springfield	04/26/10	S	YES
ONE TWENTY CREDIT UNION	Boston	01/11/01	S	YES
ONEUNITED BANK	Boston	10/04/10	NI	YES
PATRIOT BANK	Woburn	03/21/11	S	YES
PENTUCKET BANK	Haverhill	09/10/12	HS	YES
PEOPLESBANK	Holyoke	11/07/11	HS	YES
PILGRIM BANK	Cohasset	02/16/10	S	YES
PITTSFIELD CO-OPERATIVE BANK, THE	Pittsfield	09/17/08	HS	YES
POLISH NATIONAL CREDIT UNION	Chicopee	10/16/08	S	YES
PREMIER SOURCE CREDIT UNION	Springfield	06/04/12	S	YES
PRESSERS UNION LOCAL 12 ILGWU CREDIT UNION	Boston	06/21/06	S	YES
QUINCY CREDIT UNION	Quincy	05/05/09	S	YES
RANDOLPH SAVINGS BANK	Randolph	07/11/11	S	YES
READING CO-OPERATIVE BANK	Reading	09/12/11	S	YES
REVERE FIREFIGHTERS CREDIT UNION	Revere	10/24/12	S	YES
RIVER BANK	North Andover	11/12/07	O	YES
RIVER WORKS CREDIT UNION	Lynn	06/09/08	S	YES
ROCKLAND TRUST COMPANY	Rockland	12/27/10	O	YES
ROXBURY-HIGHLAND CO-OPERATIVE BANK	Jamaica Plain	10/30/02	S	YES
S BANK	Weymouth	07/18/11	S	YES
SALEM FIVE CENTS SAVINGS BANK	Salem	03/08/10	HS	YES
SALEM ITALIAN-AMERICAN CREDIT UNION	Salem	10/16/07	S	YES
SAUGUSBANK, A CO-OPERATIVE BANK	Saugus	09/12/11	S	YES
SAVAGE ARMS EMPLOYEES CREDIT UNION	Westfield	07/16/08	S	YES
SAVERS CO-OPERATIVE BANK	Southbridge	11/22/10	HS	YES
SEAMEN'S BANK	Provincetown	12/20/11	HS	YES
SEAPORT CREDIT UNION	Salem	12/28/09	S	YES
SECURE CREDIT UNION	Melrose	12/20/05	S	YES
SHARON CREDIT UNION	Sharon	05/26/09	S	YES
SOUTH ADAMS SAVINGS BANK	Adams	12/08/08	S	YES
SOUTH COASTAL BANK	Rockland	01/22/12	S	YES
SOUTH SHORE SAVINGS BANK	Weymouth	04/09/12	S	YES
SOUTHBRIDGE CREDIT UNION	Southbridge	03/26/07	HS	YES
SOUTHBRIDGE SAVINGS BANK	Southbridge	06/13/11	HS	YES
SOUTHERN MASS CREDIT UNION	Fairhaven	09/17/07	S	YES
SPENCER SAVINGS BANK	Spencer	10/18/10	HS	YES
SPRINGFIELD STREET RAILWAY EMPLOYEES CREDIT UNION	Springfield	09/26/06	S	YES
STCU CREDIT UNION	Springfield	01/20/09	S	YES
ST. ANNE CREDIT UNION	New Bedford	02/17/04	HS	YES
ST. ANNE'S CREDIT UNION OF FALL RIVER	Fall River	09/25/12	S	YES
ST. JEAN'S CREDIT UNION	Lynn	08/23/10	HS	YES file size 1MB
ST. MARY'S CREDIT UNION	Marlborough	08/09/10	HS	YES
ST. VINCENT HOSPITAL CREDIT UNION	Worcester	04/17/08	S	YES
STATE STREET BANK AND TRUST COMPANY	Boston	01/18/11	O	YES
STONEHAM SAVINGS BANK	Stoneham	01/12/09	S	YES
STONEHAMBANK, A CO-OPERATIVE BANK	Stoneham	09/04/12	S	YES
STOUGHTON CO-OPERATIVE BANK	Stoughton	05/21/12	S	YES
STURDY CREDIT UNION	Attleboro	06/09/08	S	YES
THE BANK OF CANTON	Canton	04/10/06	HS	YES
THE CO-OPERATIVE BANK	Roslindale	03/08/10	S	YES
THE PROVIDENT BANK	Amesbury	05/10/10	S	YES
THE SAVINGS BANK	Wakefield	07/20/09	S	YES
THE VILLAGE BANK	Newton	01/17/12	S	YES
TREMONT CREDIT UNION	Boston	05/25/05	S	YES
TURNPIKE CREDIT UNION	Weston	11/05/07	S	YES
UNIBANK FOR SAVINGS	Whitinsville	08/22/11	S	YES
UNIVERSITY CREDIT UNION	Boston	04/05/06	S	YES
VALLEYSTONE CREDIT UNION	Wilbraham	04/30/08	S	YES
WAINWRIGHT BANK & TRUST COMPANY	Boston	05/05/08	O	YES
WAKEFIELD CO-OPERATIVE BANK	Wakefield	06/10/09	S	YES
WALPOLE CO-OPERATIVE BANK	Walpole	11/14/11	O	YES
WALPOLE MUNICIPAL EMPLOYEES CREDIT UNION	Walpole	06/06/05	S	YES
WALTHAM MUNICIPAL EMPLOYEES CREDIT UNION	Waltham	08/16/07	S	YES
WASHINGTON SAVINGS BANK	Lowell	09/20/10	HS	YES
WATERTOWN MUNICIPAL CREDIT UNION	Watertown	02/21/12	S	YES
WATERTOWN SAVINGS BANK	Watertown	06/04/12	O	YES
WEBSTER FIVE CENTS SAVINGS BANK	Webster	08/27/12	O	YES
WELLESLEY BANK	Wellesley	04/13/11	S	YES
WEMELCO CREDIT UNION	W. Springfield	03/30/09	S	YES
WEYMOUTH BANK	Weymouth	01/25/10	S	YES
WILLIAMSTOWN SAVINGS BANK	Williamstown	08/04/08	S	YES
WINCHESTER CO-OPERATIVE BANK	Winchester	03/14/11	S	YES
WINCHESTER SAVINGS BANK	Winchester	07/11/11	S	YES
WORCESTER CREDIT UNION	Worcester	11/17/08	S	YES
WORCESTER FIRE DEPARTMENT CREDIT UNION	Worcester	04/15/08	HS	YES
WORCESTER POLICE DEPARTMENT CREDIT UNION	Worcester	04/23/08	S	YES
WORCESTER POSTAL CREDIT UNION	Worcester	12/04/06	S	YES
WORKERS' CREDIT UNION	Fitchburg	09/12/11	O	YES
WRENTHAM CO-OPERATIVE BANK	Wrentham	05/02/11	S	YES

¹ These ratings are not, nor should they be construed as, an assessment of the financial condition of these institutions. The assigned ratings do not represent an analysis, conclusion, or opinion of the Division of Banks concerning the safety and soundness of these financial institutions.

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