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.

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	1/24/2022	O
Alden Credit Union	Chicopee	2/28/2022	S
Align Credit Union	Lowell	7/19/2021	O
Allcom Credit Union	Worcester	8/10/2020	S
AllTrust Credit Union	Fairhaven	9/23/2019	HS
Alpha Credit Union	Boston	6/29/2020	S
Arrha Credit Union	Springfield	7/6/2020	S
Athol Credit Union	Athol	2/14/2021	HS
Athol Savings Bank	Athol	4/24/2023	HS
Avidia Bank	Hudson	7/18/2022	S
Bank of Easton, a Co-Operative Bank	Easton	5/15/2023	S
BankFive	Fall River	3/14/2022	HS
BankGloucester	Gloucester	4/3/2023	O
BankProv	Amesbury	7/22/2019	S
Bay State Savings Bank	Worcester	4/20/2023	HS
BayCoast Bank	Fall River	12/14/2020	HS
Berkshire Bank	Pittsfield	4/19/2022	S
Billerica Municipal Employees Credit Union	Billerica	8/28/2023	S
Bluestone Bank	Raynham	8/2/2021	S
Boston Firefighters Credit Union	Boston	9/25/2023	S
Boston Trust Walden Company	Boston	4/19/2022	S
Bristol County Savings Bank	Taunton	9/12/2022	S
Brookline Bank	Brookline	5/16/2022	S
Brookline Municipal Credit Union	Brookline	2/22/2022	S
Brotherhood Credit Union	Lynn	9/7/2021	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	2/8/2021	S
Cape Ann Savings Bank	Gloucester	5/17/2021	S
The Cooperative Bank of Cape Cod	Hyannis	7/20/2020	S
Cape Cod Five Cents Savings Bank	Hyannis	7/13/2020	O
Charles River Bank	Medway	12/6/2021	S
City of Boston Credit Union	Boston	1/17/2023	S
Clinton Savings Bank	Clinton	10/17/2022	S
Coastal Heritage Bank	Weymouth	4/18/2023	S
Commonwealth Co-Operative Bank	Boston	9/20/2021	S
Community Credit Union of Lynn	Lynn	4/18/2023	S
Cornerstone Bank	Spencer	11/1/2021	HS
Country Bank for Savings	Ware	5/31/2022	S
Dean Co-operative Bank	Franklin	12/13/2021	S
Dedham Institute for Savings	Dedham	10/18/2021	S
Eagle Bank	Everett	4/4/2022	S
East Cambridge Savings Bank	Cambridge	9/11/2023	S
Eastern Bank	Lynn	3/22/2021	O
Easthampton Savings Bank	Easthampton	10/16/2023	HS
Energy Credit Union	Boston	10/13/2020	S
Enterprise Bank and Trust Company	Lowell	6/12/2023	HS
Everett Co-Operative Bank	Everett	5/2/2022	S
Fall River Municipal Credit Union	Fall River	4/1/2019	HS
Fidelity Co-Operative Bank	Fitchburg	11/29/2021	S
Fidelity Management Trust Company	Boston	12/20/2011	S
Fiduciary Trust Company	Boston	12/27/2011	S
First Priority Credit Union	Boston	12/19/2022	S
Florence Bank	Florence	4/20/2021	S
Freedom Credit Union	Springfield	4/25/2022	S
Greater Springfield Credit Union	Springfield	5/15/2020	S
Greenfield Co-Operative Bank	Greenfield	10/5/2020	S
Greenfield Savings Bank	Greenfield	6/21/2021	O
HarborOne Bank	Brockton	1/25/2021	O
Harvard University Employees Credit Union	Cambridge	8/15/2022	S
Haverhill Bank	Haverhill	11/2/2020	S
Haverhill Fire Department Credit Union	Haverhill	2/13/2023	S
Hingham Institution for Savings	Hingham	10/12/2021	HS
Holyoke Credit Union	Holyoke	8/24/2020	S
Homefield Credit Union	Grafton	7/24/2023	S
Hometown Bank	Oxford	6/11/2018	HS
HTM Credit Union	Haverhill	1/23/2020	S
Institution for Savings in Newburyport	Newburyport	4/12/2021	S
Jeanne D'Arc Credit Union	Lowell	12/20/2021	O
Lee Bank	Lee	10/24/2022	S
Leominster Credit Union	Leominster	3/13/2023	S
Liberty Bay Credit Union	Braintree	4/4/2022	HS
Lowell Firefighters Credit Union	Lowell	11/20/2023	S
Lowell Five Cent Savings Bank	Lowell	3/29/2021	HS
Luso-American Credit Union	Peabody	7/9/2018	S
Lynn Police Credit Union	Lynn	6/15/2020	S
Lynn Teachers Credit Union	Lynn	10/5/2020	S
Main Street Bank	Marlborough	5/31/2022	S
Marblehead Bank	Marblehead	9/12/2022	S
Martha's Vineyard Savings Bank	Edgartown	9/25/2023	O
Mass Bay Credit Union	Boston	7/19/2021	S
Mechanics Co-operative Bank	Taunton	8/23/2021	HS
Members Plus Credit Union	Boston	5/6/2019	S
Merrimack Valley Credit Union	Lawrence	6/5/2023	HS
Methuen Co-operative Bank	Methuen	12/2/2019	S
Metro Credit Union	Chelsea	6/7/2021	O
Middlesex Savings Bank	Natick	5/8/2023	O
Monson Savings Bank	Monson	5/31/2022	S
MountainOne Bank	North Adams	11/12/2020	S
MutualOne Bank	Framingham	8/2/2021	S
Naveo Credit Union	Somerville	2/16/2021	S
Needham Bank	Needham	11/07/2022	HS
New Bedford Credit Union	New Bedford	7/13/2020	S
New Valley Bank & Trust	Springfield	5/24/2021	S
Newburyport Five Cents Savings Bank	Newburyport	11/29/2021	S
North Brookfield Savings Bank	North Brookfield	11/28/2022	S
North Cambridge Co-Operative Bank	Cambridge	12/05/2022	S
North Easton Savings Bank	North Easton	11/2/2020	S
North Shore Bank, A Co-Operative Bank	Peabody	7/22/2019	S
Northern Bank & Trust Company	Woburn	7/31/2023	S
Norwood Co-Operative Bank	Norwood	9/23/2019	S
OneUnited Bank	Boston	6/21/2022	S
Pentucket Bank	Haverhill	3/7/2022	S
PeoplesBank	Holyoke	8/16/2021	S
Pittsfield Co-Operative Bank, The	Pittsfield	3/13/2023	S
Polish National Credit Union	Chicopee	12/19/2022	S
Quincy Credit Union	Quincy	11/15/2021	S
Reading Co-Operative Bank	Reading	7/31/2023	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	3/2/2021	S
Seamen's Bank	Provincetown	5/10/2021	O
Sharon and Crescent United Credit Union	Sharon	10/25/2021	S
South Shore Bank	Weymouth	1/30/2023	HS
Southbridge Credit Union	Southbridge	2/1/2021	HS
Springfield Street Railway Employees Credit Union	Springfield	9/20/2021	S
St. Anne's Credit Union of Fall River	Fall River	1/18/2022	HS
St. Jean's Credit Union	Lynn	5/30/2023	HS
St. Mary's Credit Union	Marlborough	7/10/2023	HS
State Street Bank and Trust Company	Boston	8/12/2019	O
Stoneham Bank, A Co-Operative Bank	Stoneham	1/24/2022	S
Stoughton Co-Operative Bank	Stoughton	6/30/2021	S
The Bank of Canton	Canton	6/26/2023	S
The Co-Operative Bank	Roslindale	1/30/2023	S
The Savings Bank	Wakefield	11/28/2022	S
The Village Bank	Newton	5/10/2021	S
Tremont Credit Union	Boston	12/7/2020	S
Unibank for Savings	Whitinsville	9/14/2020	S
Wakefield Co-Operative Bank	Wakefield	6/21/2021	S
Walpole Co-Operative Bank	Walpole	5/8/2023	S
Washington Savings Bank	Lowell	7/10/2023	O
Watertown Municipal Credit Union	Watertown	9/20/2021	S
Watertown Savings Bank	Watertown	10/23/2023	HS
Webster Five Cents Savings Bank	Webster	11/14/2022	O
Winchester Co-Operative Bank	Winchester	6/20/2023	S
Winchester Savings Bank	Winchester	11/2/2020	S
Worcester Credit Union	Worcester	6/1/2021	S
Worcester Fire Department Credit Union	Worcester	12/6/2021	S
Wrentham Co-Operative Bank	Wrentham	1/14/2019	S

Date published:	December 31, 2023
Last updated:	February 12, 2024