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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

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

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

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 8/26/2013     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 12/1/2014     S
Alpha Credit Union Boston 10/5/2015     S
Arrha Credit Union Springfield 8/3/2015     S
Athol Credit Union Athol 8/15/2016    HS
Athol Savings Bank Athol 7/11/2017     S
Avidia Bank Hudson 5/9/2016     S
Bank of Easton, a Co-Operative Bank Easton 11/10/2014     S
BankFive Fall River 5/11/2015    HS
BankGloucester Gloucester 2/22/2011    HS
Bay State Savings Bank Worcester 4/24/2017    HS
BayCoast Bank Fall River 9/5/2017    HS
Belmont Savings Bank Belmont 4/3/2017     S
Berkshire Bank Pittsfield 1/20/2015     S
Beverly Bank Beverly 6/18/2018     S
Billerica Municipal Employees Credit Union Billerica 4/6/2015     S
Blue Hills Bank Boston 9/28/2015     S
Boston Firefighters Credit Union Boston 10/15/2013     S
Boston Private Bank & Trust Company Boston 4/23/2018     O  
Boston Trust & Investment Management Company Boston 11/29/2011     S
Bridgewater Savings Bank Bridgewater 5/1/2017

    S

Bristol County Savings Bank Taunton 5/16/2016    HS
Brookline Bank Brookline 10/16/2017     S
Brookline Municipal Credit Union Brookline 12/18/2017     S
Brotherhood Credit Union Lynn 1/11/2016     S
Cabot Boston Credit Union Boston 8/3/2015     S
Cambridge Savings Bank Cambridge 9/25/2017     O
Cambridge Trust Company Cambridge 8/14/2017     S
Canton Co-Operative Bank Canton 3/21/2016     S
Cape Ann Savings Bank Gloucester 9/4/2018     S
Cape Cod Co-Operative Bank Hyannis 10/16/2017     S
Cape Cod Five Cents Savings Bank Harwich Port 5/9/2017     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 1/19/2016     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 3/3/2014    HS
Country Bank for Savings Ware 11/16/2015     S
Credit Union of the Berkshires Pittsfield 9/5/2013     S
Crescent Credit Union Brockton 6/17/2013    HS
Dean Co-operative Bank Franklin 9/17/2018    HS
Dedham Institute for Savings Dedham 8/6/2018     S
Eagle Bank Everett 11/9/2015     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 4/6/2015     S
Enterprise Bank and Trust Company Lowell 2/14/2017    HS
Envision Savings Bank Randolph 6/5//2017     S
Equitable Bank Weymouth 3/24/2014     S
Everett Co-Operative Bank Everett 2/1/2016     S
Fall River Municipal Credit Union Fall River 10/13/2015     S
Fidelity Co-Operative Bank Fitchburg 11/26/2018    HS
Fiduciary Trust Company Boston 12/27/2011     S
First Ipswich Bank Ipswich 3/23/2015     S
First Priority Credit Union Boston 5/31/2016     S
Florence Bank Florence 2/12/2018    HS
Freedom Credit Union Springfield 9/14/2015     S
Gloucester Fire Department Credit Union Gloucester 8/4/2014     S
Gloucester Municipal Credit Union Gloucester 9/8/2015     S
Greater Springfield Credit Union Springfield 11/12/13     S
Greenfield Co-Operative Bank Greenfield 4/3/2017    HS 
Greenfield Savings Bank Greenfield 6/4/2018     O
HarborOne Bank Brockton 12/18/2017     O
Harvard University Employees Credit Union Cambridge 8/14/2017     S
Haverhill Bank Haverhill 3/5/2018     S
Haverhill Fire Department Credit Union Haverhill 5/21/2013     S
Hingham Institution for Savings Hingham 6/25/2018     O
Holyoke Credit Union Holyoke 7/7/2014    HS
Holyoke Postal Credit Union Holyoke 2/10/2016     S
Homefield Credit Union Grafton 3/30/2015     S
Hometown Bank Oxford 6/11/2018    HS
HTM Credit Union Haverhill 2/24/2014     S
Institution for Savings in Newburyport Newburyport 3/26/2018     S
Jeanne D'Arc Credit Union Lowell 11/13/2018     O
Lee Bank Lee 3/13/2017     S
Leominster Credit Union Leominster 1/19/2016     S
Liberty Bay Credit Union Braintree 11/30/2015     S
Lowell Firefighters Credit Union Lowell 8/11/2014     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 3/12/2015     S
Lynn Police Credit Union Lynn 1/21/2014     S
Lynn Teachers Credit Union Lynn 4/11/2017     S
Main Street Bank Marlborough 6/6/2016     S
Mansfield Co-Operative Bank Mansfield 2/26/2018     S
Marblehead Bank Marblehead 7/16/2018     S
Martha's Vineyard Savings Bank Edgartown 10/24/2016    HS
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
Melrose Bank Melrose 2/26/2018     S
Members Plus Credit Union Boston 2/11/2013     S
Methuen Co-operative Bank Methuen 8/26/2013     S
Metro Credit Union Chelsea 1/4/2016    HS
Middlesex Savings Bank Natick 1/5/2017     O
Millbury Savings Bank Millbury 12/3/2018     S
Monson Savings Bank Monson 9/12/2016     S
MountainOne Bank North Adams 9/11/2017     S
Mutual Bank Whitman 8/29/2016     S
MutualOne Bank Framingham 8/6/2018    HS
Naveo Credit Union Somerville 6/23/2014     S
Needham Bank Needham 5/15/2017     S
New Bedford Credit Union New Bedford 12/14/2015     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 7/5/2016     S
Northern Bank & Trust Company Woburn 5/1/2017     S
Northmark Bank North Andover 8/6/2018     NI
Norwood Co-Operative Bank Norwood 1/23/2017     S
One Twenty Credit Union Boston 8/14/2014     S
OneUnited Bank Boston 10/18/2016     S
Patriot Community Bank Woburn 4/21/2015     S
Pentucket Bank Haverhill 10/26/2015     S
PeoplesBank Holyoke 4/25/2018     S
Pilgrim Bank Cohasset 12/5/2016     S
Pittsfield Co-Operative Bank, The Pittsfield 3/13/2017     S
Polish National Credit Union Chicopee 6/10/2013     S
Premier Source Credit Union Springfield 6/4/2012     S
Pressers Union Local 12 ILGWU Credit Union Boston 1/12/2015     NI
Quincy Credit Union Quincy 12/29/2014     S
Reading Co-Operative Bank Reading 10/24/2016     S
Revere Firefighters Credit Union Revere 12/17/2018     S
River Works Credit Union Lynn 7/21/2014     S
Rockland Trust Company Rockland 5/31/2017     S
Salem Five Cents Saving Bank Salem 3/7/2016     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 6/22/2015     S
Southbridge Credit Union Southbridge 11/16/2015     S
Southern Mass Credit Union Fairhaven 11/27/2012    HS
Springfield Street Railway Employees Credit Union Springfield 2/17/2016     S
St. Anne Credit Union New Bedford 11/2/2015     S
St. Anne's Credit Union of Fall River Fall River 10/22/2018    HS
St. Jean's Credit Union Lynn 7/14/2014    HS
St. Mary's Credit Union Marlborough 5/11/2015     S
St. Vincent Hospital Credit Union Worcester 1/8/2018     S
State Street Bank and Trust Company Boston 7/10/2017     S
Stoneham Bank, A Co-Operative Bank Stoneham 12/7/2015     S
Stoughton Co-Operative Bank Stoughton 6/13/2016     S
The Bank of Canton Canton 7/17/2017     S
The Co-Operative Bank Roslindale 1/23/2017     S
The Provident Bank Amesbury 9/26/2016     S
The Savings Bank Wakefield 7/18/2016     S
The Village Bank Newton 5/14/2018     S
Tremont Credit Union Boston 5/16/2016     S
Unibank for Savings Whitinsville 6/7/2017     S
Wakefield Co-Operative Bank Wakefield 8/10/2015     S
Walpole Co-Operative Bank Walpole 11/28/2016     S
Waltham Municipal Employees Credit Union Waltham 8/5/2013     S
Washington Savings Bank Lowell 3/26/2018     O
Watertown Municipal Credit Union Watertown 11/1/2016     S
Watertown Savings Bank Watertown 9/26/2016     O
Webster Five Cents Savings Bank Webster 12/21/2015     S
Wellesley Bank Wellesley 5/15/2017     S
Winchester Co-Operative Bank Winchester 2/7/2017     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
Workers' Credit Union Fitchburg 1/3/2017     O
Wrentham Co-Operative Bank Wrentham 1/14/2019     S
Last updated: April 1, 2019
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