TellerScore

Somerville School Employees Federal Credit Union (NCUA charter #3475) is based in Somerville, Massachusetts. Its Q2 2026 call report shows $22.9M in total assets and $18.9M in member shares and deposits and 1 office.

Somerville School Employees Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Massachusetts, it ranks 23rd. Capital cushion contributes the most (100/100, 17.21%); earnings contributes the least (34/100, 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.21%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.18%
Earnings34/100
Return on assets (annualized): 0.34%
Funding & liquidity100/100
Loans ÷ shares: 42.5% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.37%

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 (85 → 85).

TellerScore
778286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202477
Q4 202486
Q1 202583
Q2 202585
Q3 202584
Q4 202583
Q1 202681
Q2 202685
Net worth ratio
7.00%12.13%17.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.92%
Q3 202415.95%
Q4 202416.05%
Q1 202515.86%
Q2 202516.91%
Q3 202517.26%
Q4 202516.84%
Q1 202616.85%
Q2 202617.21%
Delinquent loans (60+ days)
0.07%0.60%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.98%
Q3 20241.13%
Q4 20240.17%
Q1 20250.09%
Q2 20250.07%
Q3 20250.12%
Q4 20250.17%
Q1 20260.29%
Q2 20260.18%
Return on assets
-0.05%0.19%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.44%
Q3 20240.42%
Q4 20240.43%
Q1 20250.01%
Q2 20250.12%
Q3 20250.11%
Q4 20250.11%
Q1 2026-0.05%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$22.9M17.21%0.18%0.34%42.5%
Q1 202681$23.1M16.85%0.29%-0.05%43.6%
Q4 202583$23.1M16.84%0.17%0.11%46.4%
Q3 202584$22.5M17.26%0.12%0.11%48.5%
Q2 202585$23.0M16.91%0.07%0.12%46.6%
Q1 202583$24.4M15.86%0.09%0.01%42.6%
Q4 202486$24.1M16.05%0.17%0.43%41.9%
Q3 202477$24.1M15.95%1.13%0.42%39.5%
Q2 202479$24.0M15.92%0.98%0.44%39.5%

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 ratio17.21%
66th
Problem loans0.18%
75th
Net charge-offs0.00%
77th
Return on assets0.34%
34th
Loans to deposits42.5%
75th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.4%
77th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs
Rah Federal Credit UnionCredit union Randolph, MA74 out of 100, Strong$23.9M11.1%0.15%vs
Chelsea Employees Federal Credit UnionCredit union Chelsea, MA66 out of 100, Moderate$21.5M8.7%0.08%vs
Attleboro M E Federal Credit UnionCredit union Attleboro, MA90 out of 100, Very strong$24.6M13.7%0.13%vs
Worcester Police Department Federal Credit UnionCredit union Worcester, MA69 out of 100, Moderate$25.5M11.7%0.48%vs
Lynn Firemens Federal Credit UnionCredit union Lynn, MA89 out of 100, Very strong$20.1M19.6%0.38%vs

Deposit insurance

Is my money safe at Somerville School Employees Federal Credit Union?

Yes. Somerville School Employees Federal Credit Union is a federally insured credit union (NCUA charter #3475). 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 17.21%, 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

Somerville School Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Somerville School Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
3475
RSSD ID
604172
Primary regulator
NCUA
Established
1939
Headquarters
P.O. Box 440053, Somerville, MA 02144
Employees
3

Quick answers

Somerville School Employees Federal Credit Union: common questions

Is Somerville School Employees Federal Credit Union NCUA insured?

Yes. Somerville School Employees Federal Credit Union is a federally insured credit union (NCUA charter #3475). 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 School Employees Federal Credit Union's TellerScore?

85 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 School Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Somerville

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
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%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