Federal credit union · Cambridge, Massachusetts · NCUA charter #3056
Cambridge Municipal Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $10.3M
- Total assets
- 1,323
- Members
- 24.0%
- Net-worth ratio
Cambridge Municipal Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.3M; members 1,323; net-worth ratio 24.04%; health rank #1,548 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,548 of 4,374 health · 2025Q4Cambridge Municipal · health 87/100 · $10.3M · 2025Q4
- ASSETS 87/100
- MEM 24.0%
- RANK 0.03%
- PHOTO 2.73%
- BOOK $10.3M
- CHARTER 1,323
- NCUSIF #1,548/4,374
- CAMELS VATAT
- HEALTH 3056
Call Report peers
Cambridge Municipal Employees in the assets neighbourhood
Cambridge Municipal Employees's $10.3M assets sit next to VATAT ($10.4M) 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 Municipal Employees 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
87 Top 40% higher than 60% 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 Municipal Employees - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3056, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Cambridge Municipal Employees vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 24.04% vs peer 14.86% (+9.18 pp).
- Largest lag: Loan-to-Share Ratio at 41.34% vs peer 59.80% (-18.46 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cambridge Municipal Employees in Massachusetts
- In Massachusetts, health place is #45 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #103 of 126.
- Membership ranks #96 of 126 among Massachusetts CUs with a reported count (1,323 members).
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 Municipal Employees Call Report trajectory
Cambridge Municipal Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $10.3M (2025Q4) to $10.4M (2026Q1).
- Net-worth ratio shifted +0.29 pp (23.75% → 24.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 24.04%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 9.4 pts
Call Report ratios for Cambridge Municipal Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.04% | +9.18 pp |
| Delinquency Rate | 0.03% | -1.11 pp |
| Return on Assets | 2.73% | +2.02 pp |
| Member Growth | -0.75% | - |
| Loan-to-Share Ratio | 41.34% | -18.46 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 Municipal Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.4M | - |
| 2025Q4 | $10.3M | 1,323 |
| 2024Q4 | $10.5M | 1,333 |
| 2023Q4 | $10.4M | 1,324 |
Credit Union Details
- Charter Number
- 3056
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Cambridge
- Data Quarter
- 2025Q4
Branch Locations (3)
Cambridge Municipal Employees operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cambridge Municipal Employees Federal Credit Union (Main Office) | Cambridge, MA |
| Compusource Systems, Inc. | Amherst, NY |
| Iron Mountain | North Billerica, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
More federally-insured credit unions based in Massachusetts, ordered by peer group match and asset size.
Cambridge Municipal Employees nationwide neighbourhoods
Cambridge Municipal Employees's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Cambridge Municipal Employees ranks #1,548 of 4,374 nationally on financial health and #45 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lynn Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lynn Police
- 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 Municipal Employees financially healthy?
Cambridge Municipal Employees scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,548 of 4,374; by total assets it ranks #3,546 of 4,374 nationally (same basis as /rankings/largest); and #103 of 126 within Massachusetts. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 24.04% net worth ratio and a 0.03% delinquency rate.
How does Cambridge Municipal Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Cambridge Municipal Employees's 87/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Municipal Employees?
Cambridge Municipal Employees 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 Municipal Employees directly to confirm current membership steps.
Is my money safe at Cambridge Municipal Employees?
Federal credit unions like Cambridge Municipal Employees 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 Municipal Employees's net worth ratio of 24.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cambridge Municipal Employees offer compared to banks?
Credit unions like Cambridge Municipal Employees 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 Municipal Employees 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.