Federal credit union · SOMERVILLE, Massachusetts · NCUA charter #943
Somerville Mass Firefighters
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $7.9M
- Total assets
- 284
- Members
- 18.8%
- Net-worth ratio
Somerville Mass Firefighters scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.9M; members 284; net-worth ratio 18.80%; health rank #726 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#726 of 4,374 health · 2025Q4Somerville Mass Firefighters · health 92/100 · $7.9M · 2025Q4
- MEM 92/100
- RANK 18.8%
- PHOTO 0.00%
- BOOK 0.42%
- CHARTER $7.9M
- NCUSIF 284
- CAMELS #726/4,374
- HEALTH n/a
- NW 943
Somerville Mass Firefighters carries $7.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Somerville Mass 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
92 Top 20% higher than 80% 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
Somerville Mass Firefighters - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #943, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Somerville Mass Firefighters
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -15.97 pp (47.63% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Somerville Mass Firefighters: in-state Call Report ranks
- Massachusetts health ordinal: #19 of 126.
- Massachusetts assets place: #110 of 126.
- Massachusetts membership ordinal: #120 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.
Somerville Mass Firefighters Call Report trajectory
Somerville Mass Firefighters: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.7% from $7.9M (2025Q4) to $7.6M (2026Q1).
- Net-worth ratio shifted +0.92 pp (17.88% → 18.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 18.80% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.8 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 10.3 pts
Somerville Mass Firefighters health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.80% | -0.26 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.42% | -0.03 pp |
| Member Growth | 3.27% | - |
| Loan-to-Share Ratio | 47.63% | -15.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Somerville Mass Firefighters quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.6M | - |
| 2025Q4 | $7.9M | 284 |
| 2024Q4 | $7.6M | 275 |
| 2023Q4 | $7.8M | 278 |
Credit Union Details
- Charter Number
- 943
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- SOMERVILLE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Somerville Mass Firefighters runs one office.
| Office | City |
|---|---|
| main office (Main Office) | somerville, 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.
Nationwide credit unions with similar profiles
Somerville Mass Firefighters's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- Somerville Mass Firefighters ranks #726 of 4,374 nationally on financial health and #19 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Danvers Municipal is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Danvers 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 Somerville Mass Firefighters financially healthy?
Somerville Mass Firefighters scores 92/100 (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 #726 of 4,374; by total assets it ranks #3,678 of 4,374 nationally (same basis as /rankings/largest); and #110 of 126 within Massachusetts. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.80% net worth ratio and a 0.00% delinquency rate.
How does Somerville Mass Firefighters compare to other credit unions?
92/100 is Somerville Mass Firefighters's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Somerville Mass Firefighters?
Somerville Mass 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 Somerville Mass Firefighters directly to confirm current membership steps.
Is my money safe at Somerville Mass Firefighters?
Federal credit unions like Somerville Mass 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. Somerville Mass Firefighters's net worth ratio of 18.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Somerville Mass Firefighters offer compared to banks?
Credit unions like Somerville Mass 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 Somerville Mass 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.