Somerville Municipal Federal Credit Union (NCUA charter #4524) is based in Somerville, Massachusetts. Its Q2 2026 call report shows $49.0M in total assets and $39.5M in member shares and deposits and 5 offices across 2 states.
Somerville Municipal Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 13th. Capital cushion contributes the most (100/100, 19.08%); earnings contributes the least (65/100, 1.12%).
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
From Q2 2025 to Q2 2026, the score fell 6 points (95 → 89), mostly because the loan quality component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 93 |
| Q4 2024 | 92 |
| Q1 2025 | 92 |
| Q2 2025 | 95 |
| Q3 2025 | 92 |
| Q4 2025 | 91 |
| Q1 2026 | 89 |
| Q2 2026 | 89 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.71% |
| Q3 2024 | 17.07% |
| Q4 2024 | 17.07% |
| Q1 2025 | 16.76% |
| Q2 2025 | 17.27% |
| Q3 2025 | 17.43% |
| Q4 2025 | 17.85% |
| Q1 2026 | 18.16% |
| Q2 2026 | 19.08% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.34% |
| Q4 2025 | 0.36% |
| Q1 2026 | 0.47% |
| Q2 2026 | 0.48% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.32% |
| Q3 2024 | 1.37% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.34% |
| Q2 2025 | 1.40% |
| Q3 2025 | 1.43% |
| Q4 2025 | 1.22% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.12% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $49.0M | 19.08% | 0.48% | 1.12% | 60.7% |
| Q1 2026 | 89 | $50.8M | 18.16% | 0.47% | 1.16% | 58.2% |
| Q4 2025 | 91 | $50.9M | 17.85% | 0.36% | 1.22% | 59.2% |
| Q3 2025 | 92 | $51.7M | 17.43% | 0.34% | 1.43% | 58.9% |
| Q2 2025 | 95 | $51.1M | 17.27% | 0.00% | 1.40% | 59.9% |
| Q1 2025 | 92 | $51.5M | 16.76% | 0.27% | 1.34% | 59.0% |
| Q4 2024 | 92 | $49.6M | 17.07% | 0.08% | 1.15% | 62.0% |
| Q3 2024 | 93 | $49.2M | 17.07% | 0.17% | 1.37% | 63.3% |
| Q2 2024 | 88 | $49.1M | 16.71% | 0.62% | 1.32% | 64.6% |
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).
Similar-size credit unions in Massachusetts
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Goldmark Federal Credit UnionCredit union Attleboro, MA | 76 out of 100, Strong | $50.2M | 10.7% | 0.00% | vs |
| Worcester Fire Dept. Credit UnionCredit union Worcester, MA | 78 out of 100, Strong | $47.1M | 13.2% | 0.91% | vs |
| Brookline Municipal Credit UnionCredit union Brookline, MA | 88 out of 100, Very strong | $51.0M | 13.4% | 0.03% | vs |
| Methuen Federal Credit UnionCredit union Methuen, MA | 60 out of 100, Moderate | $41.8M | 9.6% | 1.20% | vs |
| Notre Dame Community Federal Credit UnionCredit union Fall River, MA | 58 out of 100, Moderate | $58.3M | 12.8% | 2.59% | vs |
| 600 Atlantic Federal Credit UnionCredit union Boston, MA | 77 out of 100, Strong | $39.1M | 13.6% | 0.77% | vs |
Deposit insurance
Is my money safe at Somerville Municipal Federal Credit Union?
Yes. Somerville Municipal Federal Credit Union is a federally insured credit union (NCUA charter #4524). 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 7.6% of shares and deposits ($3.0M) 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 19.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Somerville Municipal Federal Credit Union lists 5 offices in 2 cities across 2 states. Most locations:
- Somerville, MA (3)
- Frisco, TX (2)
Identity & history
Profile
- Legal name
- Somerville Municipal Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 4524
- RSSD ID
- 117579
- Primary regulator
- NCUA
- Established
- 1941
- Headquarters
- 236 Holland St, Somerville, MA 02144
- Employees
- 5
Quick answers
Somerville Municipal Federal Credit Union: common questions
Is Somerville Municipal Federal Credit Union NCUA insured?
Yes. Somerville Municipal Federal Credit Union is a federally insured credit union (NCUA charter #4524). 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 Somerville Municipal Federal Credit Union's TellerScore?
89 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 Somerville Municipal Federal Credit Union have?
5 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Somerville
| 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 |