Fair Money & Economic Opportunity

Winchester Bancorp originated 14.1% of its loans to low and moderate-income borrowers in 2010.

The bank originated 5 community development loans totaling approximately $8.0 million during the 2020-2024 evaluation period, representing 1.28% of its total loan portfolio of $627.4 million. Examiners found no evidence of discriminatory or illegal credit practices during the 2020-2024 evaluation. The bank made qualified donations totaling $107,669 during the 2020-2024 evaluation period. It conducted financial education seminars for first-time homebuyers and students at Shamrock Elementary School. Two of the bank’s five branches are located in moderate-income areas. The bank offers low-cost checking and savings accounts that meet Massachusetts Community and Banking Council guidelines, including a "Completely Free Checking" option.

Fair Trade & Ethical Sourcing

Winchester Bancorp, Inc. operates as a bank, providing financial products and services.

The ethical value 'Fair Trade & Ethical Sourcing' and its associated KPIs are primarily designed for companies involved in the procurement and trade of physical commodities or with extensive manufacturing supply chains. As a financial institution, WSBK.US does not procure or trade physical commodities, nor does it have a supplier base requiring welfare or sourcing audits, exposure to upstream labor practices, or supply chain tiers to map in the context of fair trade and ethical sourcing. Therefore, all KPIs under this value are scored as N/A (0), as the company's business model does not involve the activities these metrics are designed to assess.

Honest & Fair Business

Winchester Bancorp, Inc. has an anti-corruption policy to prevent conflicts of interest and self-dealing, including specific rules for outside business activities, investments, and transactions with the bank.

The policy also states compliance with various federal and state laws, including the FCPA. The Audit Committee Charter, dated April 9, 2025, specifies that the committee consists of three or more independent directors, but allows for one director who may not meet independence standards. This indicates that approximately 60-75% of the board members are free from material conflicts of interest.

No War, No Weapons

Winchester Bancorp, Inc. (WSBK.US) is a financial institution. The provided articles that discuss defense contracts, ammunition manufacturing, and military sales (Articles

, , ) refer to 'Winchester' or 'Olin Corp.'s Winchester Division,' which is a different entity and not Winchester Bancorp, Inc. Therefore, this information is not applicable to the company being assessed. Article , pertaining to Winchester Savings Bank's Code of Ethics and Conduct, outlines general ethical standards and internal compliance but does not provide specific, concrete data points relevant to any of the 'No War, No Weapons' KPIs, such as revenue from arms contracts, dual-use technology, or peacebuilding investments. Article explicitly states it contains no relevant data for this value. Consequently, no KPIs can be scored based on the evidence provided.

Planet-Friendly Business

No specific, quantifiable data directly attributable to Winchester Bancorp, Inc. (WSBK.US) or its operating entity, Winchester Savings Bank, regarding its environmental performance or initiatives was found in the provided articles. The articles primarily discuss the town of Winchester's climate action plans and sustainability efforts

, or general information about other entities such as Winchester Federal Credit Union or Winchester News .

Respect for Cultures & Communities

The provided articles do not contain specific, quantitative data points required to assess Winchester Bancorp, Inc. against the 'Respect for Cultures & Communities' value. explicitly states a lack of requested metrics for cultural impact, including formal partnerships, cultural appropriation incidents, cultural impact assessments, local employment ratios, grievance mechanisms, FPIC participation, community governance inclusion, cultural preservation investment, local procurement, indigenous supplier engagement, cultural site protection, social license operations, charitable giving to cultural heritage organizations, community fund allocation, language inclusivity, cultural incident response, and cultural training completion.

While general donations to nonprofits and civic organizations are mentioned, they are not specific enough to score any of the defined KPIs, which require percentages of revenue, specific types of partnerships, or counts of incidents/protocols related to cultural aspects.

Safe & Smart Tech

The company's privacy policy states that Winchester Savings Bank does not share customer information with affiliates or non-affiliates for marketing purposes, except for joint marketing with other financial companies for credit card services.

Customers can limit sharing for affiliates' creditworthiness information and for affiliates and non-affiliates marketing to them, though the policy does not specify how these controls are exercised. Regarding regulatory compliance, the company states its security measures comply with federal law, including computer safeguards and secured facilities. It has filed applications with the Federal Reserve Board, FDIC, and Massachusetts Commissioner of Banks for reorganization and offering approval, and Winchester Savings Bank was considered "well-capitalized" as of September 30, 2024, meeting capital requirements. No specific details on compliance gaps or penalties are provided.