Federal credit union · Cambridge, Massachusetts · NCUA charter #1236
Cambridge Firefighters
Health score 94/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $14.1M
- Total assets
- 864
- Members
- 25.0%
- Net-worth ratio
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.
Cambridge Firefighters - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth61
- Liquidity (loan-to-share)100
Weighted composite: 94/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
25.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.04% | 30% |
| Delinquency Rate | 0.23% | 25% |
| Return on Assets | 2.69% | 15% |
| Member Growth | 0.12% | 15% |
| Loan-to-Share Ratio | 82.65% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Cambridge Firefighters
864 members and $14.1M in total assets sit behind Cambridge Firefighters, a federal credit union in Cambridge, Massachusetts, which posts a health score of 94/100 (Excellent) on the five-factor composite, with $8.7M in outstanding loans as of Q4 2025 and a net worth ratio of 25.04% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #1236 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
On loan book quality: 0.23% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 82.65% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 2.69% on net income of $380K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.12%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Cambridge Firefighters financially healthy?
A 25.04% 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. 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 25.04% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.