Credit union · NCUA insured
NESC Federal Credit Union
Top CarrotA $125.8M credit union headquartered in Methuen, MA, with 7,872 members and 4 branches in Massachusetts. Best rates: CDs 4.59% and savings 0.25% APY.
NESC Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 80% of U.S. banks and credit unions
#31 of 141 in Boston, MA-NH metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NESC Federal Credit Union
NESC Credit Union is a member-owned credit union serving the Merrimack Valley and Southern New Hampshire, including Essex and Middlesex counties in Massachusetts, and Rockingham and Hillsborough counties in New Hampshire.
- Headquarters
- 248 Pleasant St, Methuen, MA 01844
- NCUA charter
- 12334
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This may be incomplete or out of date, so check with the credit union before you apply.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
- You are eligible to join if you live, work, worship, or attend school in Essex or Middlesex County, MA, or Rockingham or Hillsborough County, NH.
Family and household
- You are eligible to join if you are an immediate family member of a current member.
Branches
4 branches in Massachusetts
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Massachusetts
4 branches
- Nesc FcuMain office248 Pleasant St, Methuen, MA 01844Directions
- Andover Irs Branch310 Lowell St, Andover, MA 01810Directions
- Lawrence Branch14 Amesbury St, Lawrence, MA 01840Directions
- Methuen Branch244 Pleasant St, Methuen, MA 01844Directions
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 | 10.61% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.91% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.56% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio10.61%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.91%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 NESC Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.