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
Call Report peers
Somerville Municipal in the assets neighbourhood
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
Somerville Municipal sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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%).
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).
- One place up in Massachusetts, Cambridge Municipal Employees (#45) ties at 87/100; one place down, MALDEN (#47) ties at 87/100.
Quarter path for Somerville Municipal
Somerville Municipal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $50.9M (2025Q4) to $50.8M (2026Q1).
- Net-worth ratio shifted +0.31 pp (17.85% → 18.16%).
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
Somerville Municipal gives up 13 points in total. Member Growth costs the most, 10.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Somerville Municipal financially healthy?
On its 2025Q4 NCUA 5300 filing, Somerville Municipal scores 87/100 (Excellent), with a 18.16% net worth ratio and 0.36% of loans delinquent. It ranks #1,575 of 4,374 nationally on health and #46 of 126 in Massachusetts.
How does Somerville Municipal compare to other credit unions?
Somerville Municipal scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (18.16% vs 13.62%). Its widest shortfall is loan-to-share ratio (59.21% vs 62.60%).
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?
Somerville Municipal 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 Municipal's net worth ratio of 18.16% 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.