Federal credit union · Somerville, Massachusetts · NCUA charter #3475

Somerville School Employees

Health score 56/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.

56
Health / 100
$23.1M
Total assets
1,375
Members
2.6%
Net-worth ratio

Somerville School Employees - Share Insurance Coverage

Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #3475. See our deposit-insurance coverage note.

NCUSIF coverage gauge for Somerville School Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Somerville School Employees holds approximately $19.2M in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 2.6 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 2.6% · $19.2M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Somerville School Employees - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 2.61% 30% weight
  • Asset quality (delinquency) 0.17% 25% weight
  • Earnings (ROA) 0.45% 15% weight
  • Member growth -23.44% 15% weight
  • Liquidity (loan-to-share) 46% 15% weight

Weighted composite: 56/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 17.4%

2.61% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.

$23.1M
Total Assets
1,375
Members
$8.9M
Total Loans
$19.2M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 2.61% 30%
Delinquency Rate 0.17% 25%
Return on Assets 0.45% 15%
Member Growth -23.44% 15%
Loan-to-Share Ratio 46.42% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).

Historical Financials

Quarter Assets Members
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

What This Data Says About Somerville School Employees

Charter #3475, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Somerville School Employees, a federal credit union in Somerville, Massachusetts with 1,375 members, $23.1M in total assets, and $8.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 56/100 (Fair), helped by a net worth ratio of 2.61% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Two more numbers round out the picture: a 0.17% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 46.42% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.45% on net income of $105K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -23.44%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

Nearby Credit Unions in Massachusetts

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Compare Somerville School Employees vs RAH

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Somerville School Employees financially healthy?

Based on NCUA 5300 Call Report data as of Q4 2025, Somerville School Employees carries a financial health score of 56/100 (Fair). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 2.61% net worth ratio and a 0.17% delinquency rate.

How does Somerville School Employees compare to other credit unions?

Five weighted metrics from NCUA filings produce Somerville School Employees's 56/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?

Federal credit unions like Somerville School Employees 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 School Employees's net worth ratio of 2.61% is relative to the 7% threshold NCUA considers "well capitalized."

What rates does Somerville School Employees offer compared to banks?

Credit unions like Somerville School Employees 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 School Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

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.