2021 Institutions Examined for CRA Compliance

The Division of Banks (DOB) evaluates the institution's record of meeting the credit needs of its entire assessment area. This includes low and moderate-income neighborhoods, consistent with the safe and sound operation of the institution. When the examination is complete the DOB issues a rating and public evaluation.

Institutions with a 2021 published rating

Institution	Location	Rating
Align Credit Union	Lowell	HS
BayCoast Bank	Swansea	HS
Bluestone Bank	Raynham	S
Brotherhood Credit Union	Lynn	S
Cambridge Savings Bank	Cambridge	O
Canton Cooperative Bank	Canton	S
Cape Ann Savings Bank	Gloucester	S
Century Bank and Trust Company	Medford	HS
City of Boston Credit Union	Boston	S
Commonwealth Cooperative Bank	Hyde park	S
East Boston Savings Bank	East Boston	S
East Cambridge Savings Bank	Cambridge	S
Easthampton Savings Bank	Easthampton	HS
Energy Credit Union	West Roxbury	S
Florence Bank	Florence	S
Greenfield Co-operative Bank	Greenfield	S
Greenfield Savings Bank	Greenfield	O
HarborOne Bank	Brockton	O
Haverhill Bank	Haverhill	S
Institution for Savings in Newburyport and its Vicinity	Newburyport	S
Leominster Credit Union	Leominster	S
Lowell Five Cent Savings Bank, The	Lowell	HS
Mass Bay Credit Union	South Boston	S
Merrimack Valley Credit Union	Lawrence	S
Metro Credit Union	Chelsea	O
MountainOne Bank	Framingham	S
Naveo Credit Union	Somerville	S
New Valley Bank & Trust	Springfield	S
North Easton Savings Bank	Easton	S
Northmark Bank	North Andover	S
Salem Five Cents Savings Bank	Salem	S
Savers Co-operative Bank	Southbridge	S
Seamen's Bank	Provincetown	O
South Shore Bank	Weymouth	S
Southbridge Credit Union	Southbridge	HS
Springfield Street Railway Employees Credit Union	Springfield	S
Stoughton Co-operative Bank	Stoughton	S
Tremont Credit Union	Boston	S
UniBank for Savings	Whitinsville	S
Village Bank, The	Newton	S
Wakefield Co-operative Bank	Wakefield	S
Watertown Municipal Credit Union	Watertown	S
Winchester Savings Bank	Winchester	S
Worcester Credit Union	Worcester	S

 

Key to ratings

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

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

Public evaluations

The public portion of the evaluation generally contains:

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

View Public Evaluations issued by the Division of Banks at CRA ratings and public evaluations for banks and credit unions | Mass.gov

Most Massachusetts chartered banks are also examined for compliance with the Federal CRA by the Federal Deposit Insurance Corporation and the Federal Reserve System.

Last updated:	June 1, 2021