Federal credit union · Cambridge, Massachusetts · NCUA charter #1236
Cambridge Firefighters
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $14.1M
- Total assets
- 864
- Members
- 24.3%
- Net-worth ratio
Cambridge Firefighters scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.1M; members 864; net-worth ratio 24.31%; health rank #439 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#439 of 4,374 health · 2025Q4Cambridge Firefighters · health 94/100 · $14.1M · 2025Q4
- PHOTO 94/100
- BOOK 24.3%
- CHARTER 0.23%
- NCUSIF 2.69%
- CAMELS $14.1M
- HEALTH 864
- NW #439/4,374
- DELQ PRESIDENTS
- ROA 1236
Call Report peers
Cambridge Firefighters in the assets neighbourhood
Cambridge Firefighters's $14.1M assets sit next to PRESIDENTS ($14.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cambridge Firefighters vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Cambridge Firefighters - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #1236: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Cambridge Firefighters diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 82.65% here, 59.80% peer average (+22.85 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cambridge Firefighters: in-state Call Report ranks
- Massachusetts health ordinal: #12 of 126.
- Assets rank #99 of 126 inside Massachusetts ($14.1M reported).
- Massachusetts membership ordinal: #109 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Cambridge Firefighters: 2025Q4 → 2026Q1
Cambridge Firefighters: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.6% from $14.1M (2025Q4) to $14.8M (2026Q1).
- Net-worth ratio shifted -0.73 pp (25.04% → 24.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
24.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.1 pts
- Loan-to-Share Ratio 14.9 pts
Cambridge Firefighters vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.31% | +9.45 pp |
| Delinquency Rate | 0.23% | -0.92 pp |
| Return on Assets | 2.69% | +1.98 pp |
| Member Growth | 0.12% | - |
| Loan-to-Share Ratio | 82.65% | +22.85 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Cambridge Firefighters filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.8M | - |
| 2025Q4 | $14.1M | 864 |
| 2024Q4 | $13.5M | 863 |
| 2023Q4 | $13.6M | 846 |
Credit Union Details
- Charter Number
- 1236
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Cambridge
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Cambridge Firefighters.
| Office | City |
|---|---|
| Main (Main Office) | Cambridge, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Cambridge Firefighters
Cross-state asset and health neighbours for Cambridge Firefighters - kept outside Massachusetts; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($14.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Cambridge Firefighters ranks #439 of 4,374 nationally on financial health and #12 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Marblehead Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Marblehead Municipal
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Cambridge Firefighters financially healthy?
A 24.31% net worth ratio and a 0.23% delinquency rate feed into Cambridge Firefighters's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #439 of 4,374; by total assets it ranks #3,357 of 4,374 nationally (same basis as /rankings/largest); and #99 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Cambridge Firefighters compare to other credit unions?
PlainCU's health composite puts Cambridge Firefighters at 94/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cambridge Firefighters?
Cambridge Firefighters carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Cambridge Firefighters directly to confirm current membership steps.
Is my money safe at Cambridge Firefighters?
Federal credit unions like Cambridge Firefighters are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Cambridge Firefighters's net worth ratio of 24.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cambridge Firefighters offer compared to banks?
Credit unions like Cambridge Firefighters are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cambridge Firefighters directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.