Headquartered in Belmont, Massachusetts, Belmont Municipal Federal Credit Union is a federal credit union with $3.7M in total assets and $2.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1940.
Based on its Q2 2026 filing, Belmont Municipal Federal Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 34th. Its strongest component is capital cushion (100/100; 22.91%), and its lowest is loan quality (42/100; 1.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 81).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 89 |
| Q4 2024 | 85 |
| Q1 2025 | 74 |
| Q2 2025 | 81 |
| Q3 2025 | 82 |
| Q4 2025 | 82 |
| Q1 2026 | 95 |
| Q2 2026 | 81 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.18% |
| Q3 2024 | 20.59% |
| Q4 2024 | 21.90% |
| Q1 2025 | 21.23% |
| Q2 2025 | 21.87% |
| Q3 2025 | 22.27% |
| Q4 2025 | 22.74% |
| Q1 2026 | 22.89% |
| Q2 2026 | 22.91% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.19% |
| Q2 2026 | 1.73% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.20% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.43% |
| Q1 2025 | -0.36% |
| Q2 2025 | 0.82% |
| Q3 2025 | 0.43% |
| Q4 2025 | 0.58% |
| Q1 2026 | 1.99% |
| Q2 2026 | 1.97% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $3.7M | 22.91% | 1.73% | 1.97% | 80.9% |
| Q1 2026 | 95 | $3.6M | 22.89% | 0.19% | 1.99% | 83.2% |
| Q4 2025 | 82 | $3.6M | 22.74% | 0.41% | 0.58% | 82.7% |
| Q3 2025 | 82 | $3.6M | 22.27% | 0.22% | 0.43% | 85.4% |
| Q2 2025 | 81 | $3.7M | 21.87% | 0.58% | 0.82% | 93.7% |
| Q1 2025 | 74 | $3.7M | 21.23% | 0.22% | -0.36% | 94.4% |
| Q4 2024 | 85 | $3.6M | 21.90% | 0.64% | 1.43% | 92.4% |
| Q3 2024 | 89 | $3.8M | 20.59% | 0.24% | 1.45% | 90.0% |
| Q2 2024 | 85 | $4.0M | 19.18% | 0.52% | 1.20% | 84.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Middlesex-Essex Postal Employees Federal Credit UnionCredit union North Reading, MA | 92 out of 100, Very strong | $4.6M | 37.2% | 0.43% | vs |
| New England Lee Federal Credit UnionCredit union Boston, MA | 84 out of 100, Strong | $2.8M | 55.1% | 0.95% | vs |
| Revere Firefighters Federal Credit UnionCredit union Revere, MA | 88 out of 100, Very strong | $4.8M | 16.3% | 0.00% | vs |
| Boston Customs Federal Credit UnionCredit union Boston, MA | 99 out of 100, Very strong | $2.5M | 17.3% | 0.00% | vs |
| Stoughton Town Employees Federal Credit UnionCredit union Stoughton, MA | 89 out of 100, Very strong | $2.4M | 16.6% | 0.00% | vs |
| North Adams M E Federal Credit UnionCredit union North Adams, MA | 53 out of 100, Below average | $2.3M | 17.9% | 3.36% | vs |
Deposit insurance
Is my money safe at Belmont Municipal Federal Credit Union?
Yes. Belmont Municipal Federal Credit Union is a federally insured credit union (NCUA charter #4192). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 7.7% of shares and deposits ($220K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 22.91%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Belmont Municipal Federal Credit Union lists 1 office in 1 city. Most locations:
- Belmont, MA (1)
Identity & history
Profile
- Legal name
- Belmont Municipal Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 4192
- RSSD ID
- 531979
- Primary regulator
- NCUA
- Established
- 1940
- Headquarters
- Po Box 56, Belmont, MA 02478
- Employees
- 1
Quick answers
Belmont Municipal Federal Credit Union: common questions
Is Belmont Municipal Federal Credit Union NCUA insured?
Yes. Belmont Municipal Federal Credit Union is a federally insured credit union (NCUA charter #4192). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Belmont Municipal Federal Credit Union's TellerScore?
81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Belmont Municipal Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Belmont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA | 97 out of 100, Very strong | $10.2M | 24.8% | 0.12% | vs |
| Alpha Credit UnionCredit union Boston, MA | 97 out of 100, Very strong | $35.1M | 18.8% | 0.14% | vs |
| Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA | 92 out of 100, Very strong | $14.2M | 25.8% | 0.27% | vs |
| Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA | 92 out of 100, Very strong | $7.4M | 19.6% | 0.00% | vs |
| Watertown Municipal Credit UnionCredit union Watertown, MA | 91 out of 100, Very strong | $9.7M | 36.9% | 0.00% | vs |
| Billerica Municipal Employees Credit UnionCredit union Billerica, MA | 91 out of 100, Very strong | $23.6M | 17.8% | 0.00% | vs |