Credit union · NCUA insured
Energy Credit Union
Top CarrotA $129.1M credit union headquartered in West Roxbury, MA, with 5,616 members and 2 branches in Massachusetts. Best rates: CDs 4.75% and savings 0.15% APY.
Energy Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#21 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Energy Credit Union
Energy Credit Union is headquartered in West Roxbury, Massachusetts.
- Headquarters
- 156 Spring St, West Roxbury, MA 02132
- NCUA charter
- 66369
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live or work in certain communities within Norfolk, Suffolk, Middlesex, and Essex counties.
Employers and groups
- Membership is open to employees and retirees of National Grid New England.
Family and household
- Membership is open to family members of eligible individuals.
Cost to join
- A share savings account deposit of $10 or more is required to join.
Branches
2 branches in Massachusetts
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Massachusetts
2 branches
- Spring StreetMain office156 Spring St, West Roxbury, MA 02132Directions
- Peadbody Branch12 Chestnut st, Peabody, MA 01960Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.92% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.43% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.67% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $86 | $76 | — |
- CapitalNet worth ratio16.92%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.43%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.67%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$86Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Energy Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.