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
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Somerville Mass Firefighters vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Somerville Mass Firefighters sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in Massachusetts, Belmont Municipal (#18) ties at 92/100; one place down, ROCKLAND (#20) ties at 92/100.
Somerville Mass Firefighters Call Report trajectory
Somerville Mass Firefighters: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.7% from $7.9M (2025Q4) to $7.6M (2026Q1).
- Net-worth ratio shifted +0.92 pp (17.88% → 18.80%).
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
Somerville Mass Firefighters gives up 8 points in total. Loan-to-Share Ratio costs the most, 4.7 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Somerville Mass Firefighters financially healthy?
Somerville Mass Firefighters has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #726 of 4,374 nationally on health and #19 of 126 in Massachusetts. Its net worth ratio is 18.80% and its delinquency rate 0.00%.
How does Somerville Mass Firefighters compare to other credit unions?
Somerville Mass Firefighters scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (47.63% vs 63.60%).
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?
Somerville Mass Firefighters is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.