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
$10.2M Assets
$3.1M Loans
$7.7M Shares
$2.5M Net 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
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 1.70% 0.38% 0.59% 1.00% Beats 91% 6 / 66 Return on Equity 6.85% 2.62% 4.89% 6.39% Beats 80% 13 / 66 Net Interest Margin 4.81% 2.83% 3.27% 3.84% Beats 94% 4 / 66 Efficiency Ratio 65.48% 68.43% 80.15% 87.18% Beats 82% 13 / 66 Asset Quality Nonperforming Loans / Loans 0.13% 0.08% 0.48% 1.18% Beats 70% 21 / 66 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 24.82% 9.84% 13.79% 17.21% Beats 88% 8 / 66 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 24.82% 9.84% 13.79% 17.21% Beats 88% 8 / 66 Liquidity & Funding Loans / Deposits 40.74% 50.73% 71.54% 81.61% 15th pctl 56 / 66 Loans / Assets 30.60% 40.53% 57.05% 68.92% 12th pctl 58 / 66 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Boston-Cambridge-Newton, MA-NH area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11