CREDIT UNION OF THE BERKSHIRES is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.cuotb.org for more information.
Sep, 30, 2025 — CREDIT UNION OF THE BERKSHIRES is a federally insured state chartered credit union headquartered in Pittsfield, MA with 1 branch location and about $20.40 million in total assets. Opened 87 years ago in 1939, CREDIT UNION OF THE BERKSHIRES has about 1,565 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CREDIT UNION OF THE BERKSHIRES |
|---|---|
| Address: (Main Office) | 744 Williams St Pittsfield, MA 01201-7402 |
| Phone: | (413) 443-1313 |
| Fax: | (413) 442-1124 |
| Website: | https://www.cuotb.org |
| Branches: | 1 branch locations |
| Members: | 1,565 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67758 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Jun 01, 2020 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $20,398,936 |
| CEO/Manager: | Melissa M Morin |
| Chairperson: | Beth Wallace |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,018,464 |
| TOTAL INVESTMENTS | 10,845,000 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 623,486 |
| Unsecured Loans | 430,063 |
| Other Loans | 4,236,151 |
| TOTAL LOANS | 5,289,700 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -158,478 |
| Land And Building | 147,538 |
| Other Fixed Assets | 11,199 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 198,049 |
| All Other Assets | 47,464 |
| TOTAL ASSETS | 20,398,936 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 22,837 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,682,782 |
| Regular shares | 4,646,899 |
| All Other Shares & Deposits | 10,757,998 |
| TOTAL SHARES & DEPOSITS | 18,087,679 |
| TOTAL LIABILITIES | 18,110,516 |
| Regular Reserve | 501,997 |
| Other Reserves | 0 |
| Undivided Earnings | 1,786,423 |
| TOTAL EQUITY | 2,288,420 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 20,398,936 |
| INCOME & EXPENSE | |
| Loan Income | 224,466 |
| Investment Income | 107,242 |
| Other Income | 15,442 |
| Total Employee Compensation & Benefits | 214,531 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 301,374 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 12,501 |
| Cost of Funds | 63,811 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -211,091 |
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