PackageTrendsPeer
Letter portraitLegal landscape

Cambridge Municipal Employees

Cambridge, MA · Charter 3056

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

16

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cambridge Municipal Employees

Cambridge, MA · Charter 3056

NCUA · 3 branches

Q2 2026

$10.2MAssets
$3.1MLoans
$7.7MShares
$2.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.71%, up 235 bps year over year; NIM at 4.82%.
  • Asset quality: problem loans at 0.12% of loans (+10 bps YoY).
  • Capital: net worth / assets of 24.81%, up 319 bps from a year ago.
  • Funding: loans stand at 40.74% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.71%+235 bps YoY

Net Interest Margin (YTD, annualized)

4.82%+2 bps YoY

Efficiency Ratio (YTD, annualized)

65.40%-4,434 bps YoY

Net Worth / Assets

24.81%+319 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.64%2.44%2.33%1.84%1.71%+235 bps
Return on Equity-2.95%10.85%9.82%7.66%6.89%+984 bps
Net Interest Margin4.80%5.18%5.10%5.64%4.82%+2 bps
Efficiency Ratio109.73%54.32%56.37%68.17%65.40%-4,434 bps
Growth
Asset Growth (YoY)-0.05%-0.47%-1.35%-3.25%-4.52%-446 bps
Loan Growth (YoY)15.74%14.88%11.79%5.36%1.09%-1,465 bps
Share Growth (YoY)-2.84%-1.75%-2.76%-5.12%-6.65%-381 bps
Asset Quality
Delinquent Loans / Loans0.02%0.02%0.03%0.05%0.12%+10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.62%22.51%23.75%24.04%24.81%+319 bps
Net Worth / Assets21.62%22.51%23.75%24.04%24.81%+319 bps
Liquidity & Funding
Loans / Shares37.62%39.14%41.34%39.32%40.74%+312 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cambridge Municipal Employees

Cambridge, MA · Charter 3056 · Peer group: credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=66)

NCUA · 3 branches

Q2 2026

$10.2MAssets
$3.1MLoans
$7.7MShares
$2.5MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 94% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 4 of 66).
  • Widest gap: nonperforming loans / loans trails 30% of credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 21 of 66).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.70%

Rank 6 of 66

Net Interest Margin

4.81%

Rank 4 of 66

Efficiency Ratio

65.48%

Rank 13 of 66

Equity / Assets

24.82%

Rank 8 of 66

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.70%0.38%0.59%1.00%Beats 91%6 / 66
Return on Equity6.85%2.62%4.89%6.39%Beats 80%13 / 66
Net Interest Margin4.81%2.83%3.27%3.84%Beats 94%4 / 66
Efficiency Ratio65.48%68.43%80.15%87.18%Beats 82%13 / 66
Asset Quality
Nonperforming Loans / Loans0.13%0.08%0.48%1.18%Beats 70%21 / 66
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio24.82%9.84%13.79%17.21%Beats 88%8 / 66
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets24.82%9.84%13.79%17.21%Beats 88%8 / 66
Liquidity & Funding
Loans / Deposits40.74%50.73%71.54%81.61%15th pctl56 / 66
Loans / Assets30.60%40.53%57.05%68.92%12th pctl58 / 66
Brokered Deposits / Depositsn/aNot reported for this institution