Community Reinvestment Act

The Community Reinvestment Act (CRA) ensures the financial institution meets the credit needs of its entire assessment area(s) including low-moderate income neighborhoods consistent with safe and sound operations. BrightBridge Credit Union (formerly Merrimack Valley Credit Union) is a non-profit organization and focuses on being a leader of community development, economic growth, and stability.

While providing financial services and lending, it is our is our goal to support our communities with charitable donations, volunteer services to non-profit organizations, and provide a strong financial education program to our communities for a healthier financial future. Everything is done with one goal in mind: Elevate people.

Our most recent CRA performance evaluation by the Massachusetts Division of Banks covered the periods from June 1, 2021 to June 6, 2023. Merrimack Valley Credit Union received an overall “High Satisfactory” rating; for helping to meet the credit needs of its assessment area, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

Public Comments & Responses

"We would like to thank you for your donation to the SEAL Family Foundation. This donation will contribute to our important efforts to support the families of Naval Special Warfare operators in this particularly difficult and demanding time for our country. Your generosity also tells these heroes and their families that their sacrifices are appreciated."

- Captain Duncan Smith, USN (Ret.), Executive Director, SEAL Family Foundation

"Thank you for your role in making the 2024 Boston Health Care for the Homeless Program Gala a success! Your generosity to the event helped us raise $1.1 million of critically needed funds to sustain and strengthen our comprehensive services. Your support also makes it possible for us to pivot quickly to meet the changing needs of our most vulnerable neighbors. For all of this, we could never thank you enough."

- Denise De Las Nueces, MD, MPH, Interim CEO & Chief Medical Officer
- Jim O'Connell, MD President & Founding Physician

"Thank you so much for Merrimack Valley Credit Union's incredibly generous donation of $30,000.00 to Emmaus. This donation is in support of our Sip, Sample and Support Gala and our Cycle for Shelter event. Both of these events are major fundraisers for Emmaus and are critical as we continue to care for the region's most vulnerable. We are truly grateful for the help the Merrimack Valley Credit Union is able to provide the families and individuals we serve who are facing homelessness."

- Jeanine T. Murphy, Chief Executive Officer, Emmaus