credit union

Belmont Municipal

Belmont, MA · Est. 1940
A
Trust Grade
Excellent
Score: 98/100

Belmont Municipal is a credit union based in Belmont, Massachusetts, established in 1940, with $4 million in total assets serving 383 members. By Trust Grade it ranks 4th of 122 credit unions we track in Massachusetts. Its net worth ratio of 22.9% is stronger than 85% of similarly sized credit unions, versus a Massachusetts median of 12%. It was profitable over the most recent period, with a 1.99% return on assets. No consumer complaints against Belmont Municipal appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$3.6M
<$100M institution
Members
383
Shares & deposits
—
Net worth ratio
22.9%
Top 15% of <$100M peers · Massachusetts median 12%
Return on assets
2.0%
Top 7% of <$100M peers · Massachusetts median 0.55%
Rank in Massachusetts
#4
of 122 credit unions

How Belmont Municipal compares to Massachusetts peers

Net worth ratio
Top 15% of <$100M peers
Belmont Municipal
22.9%
Massachusetts median
12.0%
Higher capital ratio = stronger financial cushion
Return on assets
Top 7% of <$100M peers
Belmont Municipal
2.0%
Massachusetts median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Belmont Municipal

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (22.9% capital ratio)
  • Strongly profitable (ROA 1.99%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Belmont Municipal over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Belmont Municipal insured?

Yes. Belmont Municipal is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Belmont Municipal: frequently asked questions

Is Belmont Municipal a good credit union?

Belmont Municipal earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (22.9% capital ratio); Strongly profitable (ROA 1.99%).

Is Belmont Municipal NCUA-insured?

Yes. Belmont Municipal is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Belmont Municipal?

Belmont Municipal holds $4 million in total assets, ranking 4th of 122 credit unions we track in Massachusetts. It serves 383 members.

Does Belmont Municipal have CFPB complaints?

No CFPB complaints against Belmont Municipal appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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