Federal credit union · Somerville, Massachusetts · NCUA charter #4524
Somerville Municipal
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $50.9M
- Total assets
- 2,237
- Members
- 18.2%
- Net-worth ratio
Somerville Municipal scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.9M; members 2,237; net-worth ratio 18.16%; health rank #1,575 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,575 of 4,374 health · 2025Q4Somerville Municipal · health 87/100 · $50.9M · 2025Q4
- CAMELS 87/100
- HEALTH 18.2%
- NW 0.36%
- DELQ 1.13%
- ROA $50.9M
- ASSETS 2,237
- MEM #1,575/4,374
- RANK Tuscaloosa V a
- PHOTO 4524
Call Report peers
Somerville Municipal in the assets neighbourhood
Somerville Municipal's $50.9M assets sit next to Tuscaloosa V a ($50.8M) 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.
Somerville Municipal 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
Somerville Municipal - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4524. See our deposit-insurance coverage note.
Peer-gap read for Somerville Municipal
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +4.54 pp (18.16% vs 13.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -3.39 pp (59.21% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Massachusetts standing for Somerville Municipal
- Health composite ranks #46 of 126 among scored Massachusetts credit unions.
- By total assets, Somerville Municipal is #71 of 126 in Massachusetts.
- Membership ranks #78 of 126 among Massachusetts CUs with a reported count (2,237 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.
Quarter path for Somerville Municipal
Somerville Municipal: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $50.9M (2025Q4) to $50.8M (2026Q1).
- Net-worth ratio shifted +0.31 pp (17.85% → 18.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.16% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 4.2 pts
- Loan-to-Share Ratio 12.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.16% | +4.54 pp |
| Delinquency Rate | 0.36% | -0.61 pp |
| Return on Assets | 1.13% | +0.47 pp |
| Member Growth | -2.65% | - |
| Loan-to-Share Ratio | 59.21% | -3.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $50.8M | - |
| 2025Q4 | $50.9M | 2,237 |
| 2024Q4 | $49.6M | 2,298 |
| 2023Q4 | $48.5M | 2,194 |
Credit Union Details
- Charter Number
- 4524
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $50M–$100M
- State
- Massachusetts
- City
- Somerville
- Data Quarter
- 2025Q4
Branch Locations (5)
Per its most recent NCUA branch filing, Somerville Municipal runs 5 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | Somerville, MA |
| Hot Site | Frisco, TX |
| Portico | Frisco, TX |
| Disaster Recovery Site | Somerville, MA |
| CO-OP Shared Branch Network | Somerville, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Somerville Municipal nationwide neighbourhoods
Two NCUA Call Report peer sets for Somerville Municipal, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($50.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Somerville Municipal ranks #1,575 of 4,374 nationally on financial health and #46 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Notre Dame Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Notre Dame Community
- 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 Municipal financially healthy?
Somerville Municipal 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 #1,575 of 4,374; by total assets it ranks #2,391 of 4,374 nationally (same basis as /rankings/largest); and #71 of 126 within Massachusetts. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.16% net worth ratio and a 0.36% delinquency rate.
How does Somerville Municipal compare to other credit unions?
Somerville Municipal scores 87/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Somerville Municipal?
Somerville Municipal serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Somerville Municipal directly for the current list of qualifying groups.
Is my money safe at Somerville Municipal?
Federal credit unions like Somerville Municipal 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 Municipal's net worth ratio of 18.16% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Somerville Municipal offer compared to banks?
Credit unions like Somerville Municipal 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 Municipal 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.