Federal credit union · Somerville, Massachusetts · NCUA charter #3475
Somerville School Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $23.1M
- Total assets
- 1,375
- Members
- 16.9%
- Net-worth ratio
Somerville School Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.1M; members 1,375; net-worth ratio 16.85%; health rank #2,825 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,825 of 4,374 health · 2025Q4Somerville School Employees · health 79/100 · $23.1M · 2025Q4
Call Report peers
Somerville School Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Somerville School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Somerville School Employees sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Somerville School Employees vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Net Worth Ratio: +1.99 pp (16.85% vs 14.86%).
- Largest lag: Loan-to-Share Ratio at 46.42% vs peer 59.80% (-13.38 pp).
Massachusetts standing for Somerville School Employees
- In Massachusetts, health place is #83 of 126 on the same NCUA-ratio sort used nationally.
- Assets rank #95 of 126 inside Massachusetts ($23.1M reported).
- Member book place in Massachusetts: #95 of 126.
- One place up in Massachusetts, Middlesex-Essex Postal Employees (#82) ties at 79/100; one place down, ENERGY (#84) ties at 79/100.
Somerville School Employees: 2025Q4 → 2026Q1
Somerville School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $23.1M (2025Q4) to $23.1M (2026Q1).
- Net-worth ratio shifted +0.01 pp (16.84% → 16.85%).
16.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Somerville School Employees gives up 21 points in total. Member Growth costs the most, 15 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 14.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.85% | +1.99 pp |
| Delinquency Rate | 0.17% | -0.98 pp |
| Return on Assets | 0.45% | -0.25 pp |
| Member Growth | -23.44% | - |
| Loan-to-Share Ratio | 46.42% | -13.38 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Somerville School Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.1M | - |
| 2025Q4 | $23.1M | 1,375 |
| 2024Q4 | $24.1M | 1,796 |
| 2023Q4 | $24.4M | 1,760 |
Credit Union Details
- Charter Number
- 3475
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Massachusetts
- City
- Somerville
- Data Quarter
- 2025Q4
Branch Location
Somerville School Employees operates a single office in Somerville, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main office (Main Office) | 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.
Cross-state Call Report peers for Somerville School Employees
Similar total assets
Using this data
- Somerville School Employees ranks #2,825 of 4,374 nationally on financial health and #83 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RAH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RAH
Frequently Asked Questions
Is Somerville School Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Somerville School Employees scores 79/100 (Very Good), with a 16.85% net worth ratio and 0.17% of loans delinquent. It ranks #2,825 of 4,374 nationally on health and #83 of 126 in Massachusetts.
How does Somerville School Employees compare to other credit unions?
Somerville School Employees scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.85% vs 14.86%). Its widest shortfall is loan-to-share ratio (46.42% vs 59.80%).
How can I join Somerville School Employees?
Somerville School Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Somerville School Employees directly for the exact boundaries and application steps.
Is my money safe at Somerville School Employees?
Somerville School Employees 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 School Employees's net worth ratio of 16.85% 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.