TellerScore

Cambridge Firefighters Federal Credit Union is a federal credit union headquartered in Cambridge, Massachusetts, in business for about 90 years. At the end of Q2 2026 it reported $14.2M in total assets and $10.5M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Cambridge Firefighters Federal Credit Union scores 92/100, which we describe as very strong. That is higher than 92% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 5th. Its strongest component is capital cushion (100/100; 25.82%), and its lowest is funding & liquidity (79/100; 82% loans-to-deposits, 6% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.82%
Loan quality91/100
Loans 60+ days delinquent ÷ total loans: 0.27%
Earnings88/100
Return on assets (annualized): 1.70%
Funding & liquidity79/100
Loans ÷ shares: 81.6% · 5.8% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.64%

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 (92 → 92).

TellerScore
919496Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202495
Q3 202496
Q4 202495
Q1 202591
Q2 202592
Q3 202594
Q4 202593
Q1 202692
Q2 202692
Net worth ratio
7.00%16.41%25.82%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202422.48%
Q3 202422.93%
Q4 202424.22%
Q1 202524.38%
Q2 202525.04%
Q3 202525.23%
Q4 202525.04%
Q1 202624.31%
Q2 202625.82%
Delinquent loans (60+ days)
0.13%0.25%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20240.30%
Q4 20240.14%
Q1 20250.13%
Q2 20250.37%
Q3 20250.18%
Q4 20250.23%
Q1 20260.16%
Q2 20260.27%
Return on assets
1.42%2.12%2.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.57%
Q3 20242.72%
Q4 20242.81%
Q1 20251.42%
Q2 20251.85%
Q3 20251.86%
Q4 20251.86%
Q1 20261.51%
Q2 20261.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202692$14.2M25.82%0.27%1.70%81.6%
Q1 202692$14.8M24.31%0.16%1.51%75.7%
Q4 202593$14.1M25.04%0.23%1.86%82.7%
Q3 202594$13.7M25.23%0.18%1.86%82.5%
Q2 202592$13.6M25.04%0.37%1.85%82.5%
Q1 202591$13.6M24.38%0.13%1.42%81.6%
Q4 202495$13.5M24.22%0.14%2.81%81.9%
Q3 202496$13.9M22.93%0.30%2.72%72.6%
Q2 202495$13.7M22.48%0.38%2.57%72.4%

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).

Capital ratio25.82%
90th
Problem loans0.27%
70th
Net charge-offs0.00%
77th
Return on assets1.70%
89th
Loans to deposits81.6%
17th
Uninsured deposits5.8%
17th
Loan-loss reserves0.00%
37th
Texas ratio0.6%
72nd

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Marblehead Municipal Federal Credit UnionCredit union Marblehead, MA82 out of 100, Strong$13.5M15.4%0.61%vs
Lynn Police Credit UnionCredit union Lynn, MA75 out of 100, Strong$11.7M25.9%1.35%vs
Burlington Municipal Employees Federal Credit UnionCredit union Burlington, MA82 out of 100, Strong$11.0M15.3%0.53%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Morton Federal Credit UnionCredit union Taunton, MA72 out of 100, Strong$10.1M12.1%0.90%vs
Santo Christo Federal Credit UnionCredit union Fall River, MA72 out of 100, Strong$18.5M9.1%0.08%vs

Deposit insurance

Is my money safe at Cambridge Firefighters Federal Credit Union?

Yes. Cambridge Firefighters Federal Credit Union is a federally insured credit union (NCUA charter #1236). 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 5.8% of shares and deposits ($612K) 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 25.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Cambridge Firefighters Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cambridge Firefighters Federal Credit Union
Type
Federal credit union
NCUA charter #
1236
RSSD ID
782771
Primary regulator
NCUA
Established
1936
Headquarters
113 Garden St, Cambridge, MA 02138
Employees
3

Quick answers

Cambridge Firefighters Federal Credit Union: common questions

Is Cambridge Firefighters Federal Credit Union NCUA insured?

Yes. Cambridge Firefighters Federal Credit Union is a federally insured credit union (NCUA charter #1236). 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 Cambridge Firefighters Federal Credit Union's TellerScore?

92 out of 100 (Very 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 Cambridge Firefighters Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cambridge

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs
Danvers Municipal Federal Credit UnionCredit union Danvers, MA91 out of 100, Very strong$8.2M39.0%0.00%vs