• This page, CRA ratings and public evaluations for banks and credit unions, is   offered by
  • Division of Banks

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 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 11/13/2023     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    
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 07/21/2023     O
Salem Five Cents Saving Bank Salem 12/11/2023     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 12/26/2023     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 12/11/2023     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: May 1, 2024

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