TellerScore

Cambridge Municipal Employees Federal Credit Union is a federal credit union headquartered in Cambridge, Massachusetts, in business for about 87 years. At the end of Q2 2026 it reported $10.2M in total assets and $7.7M in member shares and deposits, with 3 offices across 2 states.

Based on its Q2 2026 filing, Cambridge Municipal Employees Federal Credit Union scores 97/100, which we describe as very strong. That is higher than 98% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 3rd. Its strongest component is capital cushion (100/100; 24.81%), and its lowest is earnings (88/100; 1.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 24.81%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings88/100
Return on assets (annualized): 1.71%
Funding & liquidity100/100
Loans ÷ shares: 40.7% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.15%

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

From Q2 2025 to Q2 2026, the score rose 17 points (80 → 97), mostly because the earnings component improved by 88 points.

TellerScore
8090100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202499
Q3 202499
Q4 2024100
Q1 202599
Q2 202580
Q3 2025100
Q4 2025100
Q1 202698
Q2 202697
Net worth ratio
7.00%15.90%24.81%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.42%
Q3 202420.04%
Q4 202421.13%
Q1 202521.07%
Q2 202521.62%
Q3 202522.51%
Q4 202523.75%
Q1 202624.04%
Q2 202624.81%
Delinquent loans (60+ days)
0.02%0.08%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.14%
Q3 20240.09%
Q4 20240.07%
Q1 20250.05%
Q2 20250.02%
Q3 20250.02%
Q4 20250.03%
Q1 20260.05%
Q2 20260.12%
Return on assets
-0.64%1.11%2.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.85%
Q3 20242.78%
Q4 20242.69%
Q1 20251.98%
Q2 2025-0.64%
Q3 20252.44%
Q4 20252.33%
Q1 20261.84%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202697$10.2M24.81%0.12%1.71%40.7%
Q1 202698$10.4M24.04%0.05%1.84%39.3%
Q4 2025100$10.3M23.75%0.03%2.33%41.3%
Q3 2025100$10.7M22.51%0.02%2.44%39.1%
Q2 202580$10.7M21.62%0.02%-0.64%37.6%
Q1 202599$10.8M21.07%0.05%1.98%35.4%
Q4 2024100$10.5M21.13%0.07%2.69%36.0%
Q3 202499$10.8M20.04%0.09%2.78%33.5%
Q2 202499$10.7M19.42%0.14%2.85%31.6%

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 ratio24.81%
88th
Problem loans0.12%
79th
Net charge-offs0.00%
77th
Return on assets1.71%
90th
Loans to deposits40.7%
77th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.1%
83rd

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Morton Federal Credit UnionCredit union Taunton, MA72 out of 100, Strong$10.1M12.1%0.90%vs
Arlington Municipal Federal Credit UnionCredit union Arlington, MA70 out of 100, Strong$9.8M29.1%1.59%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Burlington Municipal Employees Federal Credit UnionCredit union Burlington, MA82 out of 100, Strong$11.0M15.3%0.53%vs
Dedham Town Employees Federal Credit UnionCredit union Dedham, MA64 out of 100, Moderate$9.3M13.9%2.38%vs
Lynn Police Credit UnionCredit union Lynn, MA75 out of 100, Strong$11.7M25.9%1.35%vs

Deposit insurance

Is my money safe at Cambridge Municipal Employees Federal Credit Union?

Yes. Cambridge Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #3056). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 24.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Cambridge Municipal Employees Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Cambridge Municipal Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
3056
RSSD ID
1002672
Primary regulator
NCUA
Established
1939
Headquarters
795 Massachusetts Ave., City Hall, Cambridge, MA 02139
Employees
5

Quick answers

Cambridge Municipal Employees Federal Credit Union: common questions

Is Cambridge Municipal Employees Federal Credit Union NCUA insured?

Yes. Cambridge Municipal Employees Federal Credit Union is a federally insured credit union (NCUA charter #3056). 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 Municipal Employees Federal Credit Union's TellerScore?

97 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 Municipal Employees Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Cambridge

InstitutionScoreAssetsCapitalProblem loansCompare
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%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