This page, CRA ratings and public evaluations for banks and credit unions, is offered by

CRA ratings and public evaluations for banks and credit unions

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

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.

All institution ratings (listed in alphabetical order by institution)

Institution Location Exam Date Rating
Abington Bank Abington 9/25/2017     S
Adams Community Bank Adams 10/1/2018     S
Alden Credit Union Chicopee 8/1/2016     S
Align Credit Union Lowell 3/13/2017    HS
Allcom Credit Union Worcester 8/10/2020     S
Alpha Credit Union Boston 6/29/2020     S
Arrha Credit Union Springfield 7/6/2020     S
Athol Credit Union Athol 8/15/2016    HS
Athol Savings Bank Athol 1/14/2020    HS
Avidia Bank Hudson 7/8/2019     S
Bank of Easton, a Co-Operative Bank Easton 2/4/2019     S
BankFive Fall River 8/13/2018     O
BankGloucester Gloucester 12/16/2019     O
Bay State Savings Bank Worcester 4/24/2017    HS
BayCoast Bank Fall River 9/5/2017    HS
Berkshire Bank Pittsfield 7/11/2018     S
Billerica Municipal Employees Credit Union Billerica 11/4/2019     S
Bluestone Bank Raynham 5/1/2017     S
Boston Firefighters Credit Union Boston 5/26/2020     S
Boston Private Bank & Trust Company Boston 4/23/2018     O  
Boston Trust & Investment Management Company Boston 4/1/2019     S
Bristol County Savings Bank Taunton 6/24/2019    HS
Brookline Bank Brookline 2/10/2020     S
Brookline Municipal Credit Union Brookline 12/18/2017     S
Brotherhood Credit Union Lynn 1/11/2016     S
Cabot Boston Credit Union Boston 10/5/2020     S
Cambridge Savings Bank Cambridge 9/14/2020     O
Cambridge Trust Company Cambridge 7/20/2020     S
Canton Co-Operative Bank Canton 3/21/2016     S
Cape Ann Savings Bank Gloucester 9/4/2018     S
The Cooperative Bank of Cape Cod Hyannis 7/20/2020     S
Cape Cod Five Cents Savings Bank Hyannis 7/13/2020     O
Century Bank and Trust Company Somerville 11/6/2017    HS
Charles River Bank Medway 11/28/2016     S
City of Boston Credit Union Boston 12/18/2017     S
Clinton Savings Bank Clinton 8/19/2019     S
Coastal Heritage Bank Weymouth 2/5/2018     S
Commonwealth Co-Operative Bank Boston 7/10/2017     S
Commonwealth Utilities Employees Credit Union Marion 2/13/2017     S
Community Credit Union of Lynn Lynn 12/4/2017     S
Cornerstone Bank Spencer 10/15/2019    HS
Country Bank for Savings Ware 1/24/2019     S
Credit Union of the Berkshires Pittsfield 6/10/2019     S
Dean Co-operative Bank Franklin 9/17/2018    HS
Dedham Institute for Savings Dedham 8/6/2018     S
Eagle Bank Everett 1/14/2019     S
East Boston Savings Bank Boston 6/19/2017     S
East Cambridge Savings Bank Cambridge 1/23/2017     S
Eastern Bank Lynn 1/22/2018     O
Easthampton Savings Bank Easthampton 1/12/2015    HS
Energy Credit Union Boston 10/13/2020     S
Enterprise Bank and Trust Company Lowell 4/27/2020     HS
Envision Savings Bank Randolph 2/18/2020     S
Everett Co-Operative Bank Everett 3/11/2019     S
Fall River Municipal Credit Union Fall River 4/1/2019    HS
Fidelity Co-Operative Bank Fitchburg 11/26/2018    HS
Fidelity Management Trust Company Boston 12/20/2011     S
Fiduciary Trust Company Boston 12/27/2011     S
First Priority Credit Union Boston 5/31/2016     S
Florence Bank Florence 2/12/2018    HS
Freedom Credit Union Springfield 10/8/2019     S
Gloucester Fire Department Credit Union Gloucester 9/16/2019     S
Gloucester Municipal Credit Union Gloucester 9/9/2019     S
Greater Springfield Credit Union Springfield 5/15/2020     S
Greenfield Co-Operative Bank Greenfield 10/5/2020    
Greenfield Savings Bank Greenfield 6/4/2018     O
HarborOne Bank Brockton 12/18/2017     O
Harvard University Employees Credit Union Cambridge 8/24/2020     S
Haverhill Bank Haverhill 3/5/2018     S
Haverhill Fire Department Credit Union Haverhill 2/19/2019     S
Hingham Institution for Savings Hingham 6/25/2018     O
Holyoke Credit Union Holyoke 8/24/2020     S
Holyoke Postal Credit Union Holyoke 9/23/2019     S
Homefield Credit Union Grafton 5/28/2019     S
Hometown Bank Oxford 6/11/2018    HS
HTM Credit Union Haverhill 1/23/2020     S
Institution for Savings in Newburyport Newburyport 3/26/2018     S
Jeanne D'Arc Credit Union Lowell 11/13/2018     O
Lee Bank Lee 7/29/2019     S
Leominster Credit Union Leominster 1/19/2016     S
Liberty Bay Credit Union Braintree 12/16/2019     S
Lowell Firefighters Credit Union Lowell 11/18/2019     S
Lowell Five Cent Savings Bank Lowell 5/14/2018     S
Luso-American Credit Union Peabody 7/9/2018     S
Lynn Municipal Employees Credit Union Lynn 3/19/2020     S
Lynn Police Credit Union Lynn 6/15/2020     S
Lynn Teachers Credit Union Lynn 10/5/2020     S
Main Street Bank Marlborough 5/6/2019     S
Marblehead Bank Marblehead 7/16/2018     S
Martha's Vineyard Savings Bank Edgartown 8/10/2020    O
Mass Bay Credit Union Boston 11/28/2016     S
Massachusetts Family Credit Union Lynn 8/15/2016     S
Mechanics Co-operative Bank Tauton 8/6/2018    HS
Members Plus Credit Union Boston 5/6/2019     S
Methuen Co-operative Bank Methuen 12/2/2019     S
Metro Credit Union Chelsea 1/4/2016    HS
Middlesex Savings Bank Natick 1/27/2020     O
Monson Savings Bank Monson 3/4/2019     S
MountainOne Bank North Adams 9/11/2017     S
MutualOne Bank Framingham 8/6/2018    HS
Naveo Credit Union Somerville 6/23/2014     S
Needham Bank Needham 3/16/2020     S
New Bedford Credit Union New Bedford 7/13/2020     S
Newburyport Five Cents Savings Bank Newburyport 10/9/2018     S
North Brookfield Savings Bank North Brookfield 9/17/2018     S
North Cambridge Co-Operative Bank Cambridge 2/29/2016     S
North Easton Savings Bank North Easton 11/13/2017     S
North Shore Bank, A Co-Operative Bank Peabody 7/22/2019     S
Northern Bank & Trust Company Woburn 4/27/2020     S
Northmark Bank North Andover 8/6/2018     NI
Norwood Co-Operative Bank Norwood 9/23/2019     S
OneUnited Bank Boston 9/30/2019     S
Patriot Community Bank Woburn 6/3/2019     S
Pentucket Bank Haverhill 1/14/2019     S
PeoplesBank Holyoke 4/25/2018     S
Pittsfield Co-Operative Bank, The Pittsfield 3/13/2017     S
Polish National Credit Union Chicopee 4/1/2019     S
Quincy Credit Union Quincy 11/12/2019     S
Reading Co-Operative Bank Reading 12/2/2020     S
Revere Firefighters Credit Union Revere 12/17/2018     S
River Works Credit Union Lynn 10/15/2019     S
Rockland Trust Company Rockland 3/16/2020     O
Salem Five Cents Saving Bank Salem 9/21/2020     S
Savers Co-Operative Bank Southbridge 10/23/2017    HS
Seamen's Bank Provincetown 4/30/2018     O
Sharon Credit Union Sharon 12/3/2018     S
South Shore Bank Weymouth 10/7/2019     S
Southbridge Credit Union Southbridge 11/16/2015     S
Southern Mass Credit Union Fairhaven 9/23/2019    HS
Springfield Street Railway Employees Credit Union Springfield 2/17/2016     S
St. Anne's Credit Union of Fall River Fall River 10/22/2018    HS
St. Jean's Credit Union Lynn 2/19/2019     S
St. Mary's Credit Union Marlborough 2/18/2020     HS
St. Vincent Hospital Credit Union Worcester 1/8/2018     S
State Street Bank and Trust Company Boston 8/12/2019     O
Stoneham Bank, A Co-Operative Bank Stoneham 1/7/2019     S
Stoughton Co-Operative Bank Stoughton 6/13/2016     S
The Bank of Canton Canton 4/1/2020     S
The Co-Operative Bank Roslindale 11/12/2019     S
The Provident Bank Amesbury 7/22/2019     S
The Savings Bank Wakefield 8/19/2019     S
The Village Bank Newton 5/14/2018     S
Tremont Credit Union Boston 5/16/2016     S
Unibank for Savings Whitinsville 9/14/2020     S
Wakefield Co-Operative Bank Wakefield 8/10/2015     S
Walpole Co-Operative Bank Walpole 1/21/2020     S
Washington Savings Bank Lowell 3/26/2018     O
Watertown Municipal Credit Union Watertown 11/1/2016     S
Watertown Savings Bank Watertown 1/14/2019     HS
Webster Five Cents Savings Bank Webster 3/11/2019     HS
Winchester Co-Operative Bank Winchester 3/18/2020     S
Winchester Savings Bank Winchester 1/8/2018     S
Worcester Credit Union Worcester 6/13/2016     S
Worcester Fire Department Credit Union Worcester 4/11/2016     S
Wrentham Co-Operative Bank Wrentham 1/14/2019     S
Last updated: March 1, 2021