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  • Division of Banks

2025 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.

Table of Contents

Institutions with a 2025 published rating

Institution
Rating
Date
Arrha Credit UnionS4/22/2025
Avidia BankS2/24/2025
BayCoast BankHS1/29/2024
Bluestone BankS11/4/2024
Brookline BankS9/9/2024
Cambridge Savings BankO1/29/2024
Canton Co-operative BankS5/19/2025
Dean Co-operative BankS1/13/2025
Dedham Institution for SavingsS3/31/2025
Eastern BankO1/21/2025
Fidelity Co-operative BankO10/21/2024
Florence BankS5/13/2024
Freedom Credit UnionS2/24/2025
Greenfield Savings BankO12/16/2024
Hingham Institution for SavingsS11/4/2024
Lynn Teachers' Credit UnionS12/9/2024
Members Plus Credit UnionS6/9/2025
MutualOne BankS4/28/2025
Naveo Credit UnionS1/13/2025
Needham BankHS3/3/2025
New Bedford Credit UnionS11/18/2024
Seamen's BankO10/14/2024
South Shore BankHS3/31/2025
Tremont Credit UnionS11/25/2024
Watertown Municipal Credit UnionS6/30/2025
Worcester Credit UnionHS3/24/2025

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: May 31, 2025

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